<prompt> Human: Im 20 and have a full time job as a restaurant server making anywhere from 1k-1.2k a month not much I know it I have another job for the next 9 weeks that pays out a flat 4k for the time Im there. Im also about to be a full time college student with loans, financial aid, and scholarships I have all school finances covered. My only outstanding monthly bill is my car insurance which is 150month. Im looking to spend a max of 14,000, but would prefer to spend about 10-12,000. Where I really need advice is, how to achieve a new car within the next year? Ive kept my current car running as long as possible but the transmission is about to go out and thatll total the car.  <response>: Buying a new car has its advantages but given your financial situation and the added burden of loans, I would highly recommend you to think twice about taking on an additional debt of a new car. Your insurance premium will also increase as a new car needs complete protection and it will end up putting a hole in your pocket.If your need for a car is to get from A to B, then shop around and look for a used car. Toyota and Honda are the best, as they last really long with fewer issues. From personal experience, I recommend going for a used car, especially a Toyota - never had to deal with any issues YMMV but never had to deal with any higher insurance payments or any loans for the car. 