<prompt> Human: So I have a proposition for myself that I think is a pretty good move and wanted to get some feedback.Currently have 15k in CC debt on one card. Some bad decisionslife happened. Have been paying off my wifes MUCH higher interest card and will be done with next month. Also currently have an aging 10 years old truck that is holding up in value and want to replace.Here is my thought: Sell my truck outright, market seems to suggest in the 15k range and pay off my CC. Then go in on a long term car loan on a vehicle in mid 20k price range with very low APRpossible 0 still have 700 Credit score before clearing off CCHave less than 5k left over of wifes student loan debt and no other debt. Her car is paid off. No mortgage. About 2 months of emergency fund in hand and continuing to build. Retirement accounts being matched, etc etc. No desire to buy a house any time soon, enjoying travelling and living in a very fun area.In my mind I am replacing bad debt CC w 15 for much better and more productive debt Car with sub 3 to possibly 0 Obviously my car insurance will go up assuming I will have to go to comprehensive coverage while car is financedWanted to get your thoughts, so let me have it.  <response>: You have 15k debt. You dont need a 20k car. Good idea on selling the truck. Use every penny toward your cc debt. Buy a 1-3000 beater if you need a car. 