<prompt> Human: My girlfriend is 2 years into a 6 year loan on a 2013 civic. She bought the car right before we met and got the worst deal ever. Due to changing schools community college to local state uni and using public transportation she will hardly use the car for the next 2.5 years or so. She works part-time making 9hr and obviously cant afford it. The car situation is preventing her from focusing on schooltravellinggoing out since most of her income goes towards payments, maintenance etc. Shes willing to let the car go. More info:- 2013 loaded Civic with 30k miles worth 14k- Payoff amount at 20k- 515 monthly payment at 11, 48 months left- free tuition, lives with mother, mother pays insurance- in college for the next 2.5-3 years- no savings- mother is not able to help with payments- mother cosigned the loan, had bankruptcy before go figure...Having spend many hours coming up with different solutions, I arrived at this:- take out 6k in Stafford loans- go to local credit union, put down the 6k, refinance remaining 14k at 4-6 they said they wont refinance more then the cars worth- sell the car, pay off loan- get a part-time job on campus, focus on school, make payments on the Stafford loan- dont buy things you cant afford ever againEven if it takes some time to sell her car, her new payment would be under 350 which should be manageable. She will continue to receive free tuition yes, its guaranteed so any additional student loans will not be an issue.Also, it just so happens that my father bought a new car and his old 2000 Altima worth about 1k is about to be put up for sale. Its rusted out but still runs great. My father said she could use that car temporarily and buy it from him in a few months for a few hundred bucks. Does this seem like a viable way out? Am I missing anything?  <response>: While it makes financial sense to do this, note that it would be a violation of the Master Promissory Note to use federal student loans to pay downrefinance an existing car loan. Federal student loans are certified for the current school year only and are not supposed to be used towards debtexpenses incurred in previous years. 