<prompt> Human: I drive a 2014 Ford Focus I bought new last year. My payments are 275 a month and I still owe 13,500 on it. If I sold it now I think I could get enough to pay off the loan completely and start fresh. I really do like the car and have not had any problems with it but the prospect of buying a used civic or something for 8-10 grand, and having payments around 200 sounds pretty tempting. I would be able to throw that extra 100 a month towards my student loans and saving for a house.  <response>: You bought a brand new car, currently have 13k to pay off and want to sell it and buy a 10k car? So youre hoping to save a couple grand, but start off a new loan and pay more interest over a longer term. All to put an extra 75month towards student loanshouse fund? This just doesnt seem worth the trouble at all. 