At some point you will want to buy a home. Make sure you are ready cause sub prime loans caused the Housing Market Crash. Sub prime loans are given to people with bad credit. Your best laons can be calculated using this Mortgage Calculator. If its not a fixed loan or its some kind of variable rate or compounded interest loan think long and hard. Its better to wait, fix your credit and come back when you can look at the loan using this calculator. When you take a loan there are Morgtgage payments, Insurance payments, Property tax, and Maintenance fees. Make sure you are ready for all of them.