<prompt> Human: Hello!Im looking for advice on my financial situation and am hoping you folks can help.Quick breakdown of my current situation: - 25 years old - just over 11k in student debt, slowly paying off - 1000 in savings - rent is 300mo - currently earning 2000mo - finishing college in 5 months, have job lined up for 17hr. - income per month should increase to 3000mo - credit score is 680 - I have an outstanding debt of 193 from a medical bill that somehow went to collections from 4 years ago that I did not know existed. First question, how do I get rid of that outstanding unpaid debt? How do I go about challenging it and having it removed? It is only 193 but I was told it is hitting my credit pretty hard.Second question, my car just broke down and will cost more to fix than the value of the car 2000 subaru. Im looking at newer cars and have found some I am very interested in however they are running between 18k-20k for the features I want. With my credit score and that outstanding debt, the APR rates Ive been offered for a used car have been close to 6.6 which seems really high.Third and final question, what is the best way to increase my credit? I was told to spend money on my credit cards, let them charge interest ??? then pay it off. This seems like a bad decision to intentionally pay my credit card bill late...Any suggestions to dig myself out of this hole would be fantastic.Thanks!!!  <response>: Your rent is 300 month and you are pulling 2k. You should be cutting and absolutely HAMMERING that student loan debt. Your credit is not terrible 680 turns into 700 real quick. Cut costs and eliminate that student loan debt. As for the car you are much better of taking that Subaru to a dealer and getting something used in the 2007-2010 range preferably Civic,Camry,Focus with mileage 70-100k. You are in a MUCH better position than you think you are. 