Customer must have graduated with a Master's, Bachelor's or Associate's degree from a U.S.-accredited college or registered nursing school within the past two (2) years or will graduate from such a school within the next six months from date of finance contract. No adverse credit history. Verifiable proof of employment or firm commitment from an employer with start date no more than 90 days from date of finance contract. Must be financed through HMF. (See Trims)