First you should go to a bank with the information about your trust fund. Tell them you want to take out a secured credit card. This is a credit card where you put the money on it before you can spend any.
Thus ensuring that you don't default on the card. Next consider going to a mortgage broker and getting a small loan from them, the downside is that you'll have to pay an extremely high interest rate. However, you will more than likely get the loan.
Those are your best options. I had to go that same path once myself.
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