I did not have a car until I was out of college and had been working for a while. I was lucky enough to be able to ride to work with another person. And, then when I had saved enough money to put a down payment down and buy insurance I got the car. My Mom did cosign but told me she would make no payments and it was all on me. It was a fairly old used car and I had three years to pay it off. And, kept that car until after I had been married for about three years.