<prompt> Human: Im an MBA student in my second year. Right now I owe 115,090.35 in student debt, and Im 23 through my program. My annual loan allocation is 84,936, with 64,436 in Direct Grad Plus 6.3-6.9 interest and 20,500 Stafford 5.3-6.9 interest. That comes out to 28,312 disbursed each quarter. I used 4,500 in savings toward my tuition last year, but I have about 9,500 in savings I havent touched, plus another 3,875 accrued in paper savings bonds. Im not too worried about paying back my debt, because I just got a job offer after graduation with 120,000 in annual salary and a 20K signing bonus on the first day.Right now I want to buy a used car that will cost 12,250 before taxes and fees. I expect to be able to sell my current car for between 5,000 and 6,000, but I know if will take a couple months to find a buyer. These are my payment options for the new used car, but I need help deciding which makes the most financial sense.1. I could dump all my savings into tuition to avoid taking out an additional 9,500 in student loans. Then I could finance the car with something like 3 interest over 5 years. My bank account would be virtually empty, but I would leave my paper bonds as an emergency fund.2. I could pay cash for the car, which would mean all my savings, then either cashing in my paper bonds or making up the 3,500 difference with more student loans 6 interest. This option would avoid financing, but Id have to take out an additional 9,500 in student loans 6 interest to pay tuition next quarter.3. I could simply leave my saving untouched, and pay for this car entirely with student loans 6 interest.Im leaning toward option 1 because the 3 rate of financing is a lot less than the 6 Id pay with student loans, and this is what most of the personal finance blogs Ive read suggest. But at the end of the day, arent I paying my new car payments with student loans anyway, essentially accruing interest in two places?As an MBA student, I should be able to figure this out myself. But its late at night, Im meeting with the dealer in the morning, and this is hurting my brain. What option makes the most financial sense in this situation?  <response>: As an MBA student, I should be able to figure this out myself. lol 