<prompt> Human: So a little bit of context. My car is worth 2,000. I owe 7,084 on it. It broke down on my last week and I am staring at a repair bill in the neighborhood of 3500. This is far from the first time I have been left stranded by this car. I am in school and have not taken out a student loan yet. I have been taking 1-2 classes at a time and paying for them out of pocket while I live at home. Should I go ahead and get a student loan to pay downoff my car? I have about 1500 cash that I could use to lower the amount of student loans I would need. I dont want to take a voluntary repo because I have worked really hard to build my credit to the point it is at now. Any advice would be appreciated. Edit: I noticed a few people asking about the make, model, and worth of the car after repair. It is a 2006 BMW X3 with 165,000 miles. It is worth roughly 2k trade in after the repair is made. Might be similar even though it is broken at the moment because everyone seems to want to auction it anyway. Thanks  <response>: I used a SL disbursement to pay off a credit card. Some loans permit you to take out extra for living expenses which is what I did. 