<prompt> Human: Hello! Longtime lurker finally posting :- I need to decide if I should go through with leasing a car or sticking it out with my 07 Camry thats hitting high digits on the odometer. I realize that its basically renting a car and isnt financially advisable for the future, but Im feel a bit between a rock and a hard place right now. I would ask my family, but I know they would immediately tell me not to do it. I came here because I know you are rational people and I need to hear from both sides.I make a bit more than 30k in an expensive state and own my car though there is 6k left to pay off. The odometer is reaching 140,000 and is starting to have issues so Ive been seriously considering leasing after trading in my car. Id have enough to pay off the remaining debt and a few extra thousand. My current car payment is 300 with a terrible interest rate and my credit is in the 600s. My first question is would I have to pay more with just an ok credit score when I lease? Should I just refinance my car? Since my ex husband is still technically my co-signer for the car loan through my bank, what effect would that have on me selling the car or refinancing? He does not pay anything on the car and is not entitled to it at all per our divorce agreement.Im a member of the military, would that benefit me in anyway? What are the upsidedownsides of leasing? And finally, what is your opinion??Thank you for reading!  <response>: Leasing is reasonable if you have plenty of money and would buy a new car every 3 years anyway. In your situation, it would simply make a bad situation worse. Right now your focus should be budgeting, getting the remaining 6k car loan paid off, and having a good independent mechanic keep your current car in good working order. A 2007 Camry with 140k miles should have lots of life left in it. You may have to spend 1500-2000 to get it fixed up, but thats much less than a years depreciation on a new car.Any car dealership that would allow someone with a low-600s credit score to roll 4k of car debt onto a lease is going to massive screw you pardon the language and it will end up costing you thousands more over the next several years. 