<prompt> Human: So I either sink every penny of money into a privately sold used car with over 100k miles and underlying issues which could fall apart and leave me with no money and no car, or I finance a used car with a 22 interest rate due to no credit history which will sink every bit of my monthly finances and leave me with a car but no money to do anything. In six months I could refinance it down to like 7...which is still awful. I have no co-signer. my mom could give me her old car before she buys her new one rather than trading it in for more value, and her old car has a guaranteed few thousand in repairs coming up soon, and I barely have a few thousand as it is plus Id need to pay for insurance for it. I need help. Its been six months of no car. My laughable income doesnt qualify me for any type of loan from the bank. What. Do. I. Do? My mom doesnt work and currently is taking out her retirement early at age 60 with no penalty. It is taxed but the amounts we receive every month will mostly go towards paying off the rest of the medical bills for her oral cancer operations. Before she offered me 1000 of her money as a personal loan but now is down to 500I work as a host as Chilis, been promised a promotion to server by each manager and then they promoted other hosts instead. They PROMISED me. Im so tired of this company although I do receive health and dental insurance which is 50 out of my paycheck every month.Assistant: Do you need a car? Honest question.Also it sounds like you should be prowling for a new job, seems like your current managers dont really have your best interests in mind.I understand that not having a car can impact your job prospects though, thats why I asked.Human: If I change jobs I lose my health insurance and dental insurance. There is another Chilis who offered me a host position there but they dont need servers. 9.50 an hour and 15-20 hours a week is not good. I do need a car. I live n the middle of nowhere. Good thing is I will be taking online classes this summer to cut down on driving. But I need a car to get to work. Once I get a car I can get a serving job or a warehouse job or both. Im an extremely hard worker.The guy at the bank who I spoke with today said the best option would be to take the high interest rate on the car loan and he could in six months get the rate down to around 7 from 24. He said others have done that before with him and itd be a grueling six months. But Ive read on here that its a horrible idea. I dont really want to be spending that much on a car thats not worth it at all.  <response>: Get out of the food service industry. Unless you own the franchise or restaurant they are poor career choices. Find a job that you can take public transportation to. Dont borrow unless it is completely worth the risk. You need to do a restart at the bottom of the ladder but if you are a hard worker, you will climb it as you seem motivated. 