<prompt> Human: So heres the deal. Im 19, have been employed for the past 3 years with no interruptions. I have saved around 5,000 in that time. Currently I drive my moms old pos car that her balance on is more than it is worth. I currently pay 300 towards that for what its worth I guess. She has bad credit, so that doesnt really help. Ive had a couple credit cards and a student loan. On the cards, I rarely carry a balance and when I do, its because I just want like a 20 gas fill up to carry over. I left my job at the end of last year, in order to focus on school as Im taking 21 credits and wanted to stay focused. Id rather not get a job until after the semester when Ive finished the classes. But the 300 monthly payment towards a car that will never be paid off before I go off on my own is discouraging. I have no problem paying the 300 or even more, and my mom said that if I do purchase a car for myself, she would cover 200 a month.In short, how realistic is it that I can go somewhere and buy a used 6,000 car? 8,000? 10,000. And how do I approach it.So reddit, dont be too harsh on me, but give me a reality check.ThanksEdit: I should add I have an above 700 credit score according to Wells Fargo. Idk if thats even worth mentioning.  <response>: I drive my moms old pos car... I currently pay 300 towards that She has bad credit Id rather not get a job until after the semester my mom said that if I do purchase a car for myself, she would cover 200 a monthNo offense but it doesnt add up. So youre paying for your moms upside down car to drive it? Why doesnt she help pay for that car when its under her name and now she offers you 200 a month if you buy your own car? So can she afford to pay for her own car or not? And you have no income now but want to buy a car at a presumably bad rate given youre 19? How can you focus on your studies while having to pay hundreds a month having zero income?And if you do this, there will be 2 cars between you and your mom, one that she doesnt really need given that youve been paying for it and driving it! and then youll finance ANOTHER car? You and your mom both know that the old pos car doesnt just disappear right? 