<prompt> Human: 28 yo. Make 40k a year. 60k student debt. 680 credit score. Currently driving a 20 yo car. Want to buy a decent used car. How should I go about taking out a loan? Go to the bank or dealership? Help!  <response>: You have 4k now. Save up for another 6 months until you have 7k. Buy a reliable used car in the 6k range free and clear, leaving you with 1k emergency fund that you can rebuild. 