<prompt> Human: Hey guys. Quick background. I am going to school for computer science, currently working at a call center making 11.50hr. I work 20 hours, and 40 in between semesters. She works 40. We are planning to move in together, and we are trying to make the numbers work as much as possible. Her car payment is the biggest issue right now, and that is at 500month.It is a 2013 Hyundai Tucson with 55k miles. She owes 18k on it with 24 interest and its worth about 11k via KBB. She also has bad credit. I was wondering what options we have that I may not have thought of. The best plan I could think of is to have her sell it, use that money to pay down the loan, then try to refi the last 7k or so that way the monthly payment is low. If we have extra money we can put it towards that payment. I myself have a paid off car and great credit, and overall low payments. I am not used to this situation and wonder what can be done. Thanks in advance.  <response>: Op, Ive read through some comments here, and I have something to say. If you were one of my siblings, I would call you and tell you that I just had financial disaster and that my family and I are barely making it. Why would I do this? Because youre about to get yourself into a financial disaster with this girlfriend of yours, and I dont want you asking me for money. Her relationship history has more red flags than the USSR. Shes a mess, and her being a mess in the past doesnt magically get better. Im not going to tell you how to live your relationships, but I am going to say that you moving forward with this relationship is going to very hard financially. Others have suggested that you split Everything 5050 cost wise. I can tell right now that you arent going to do that, despite it being a good idea. So instead, just be Very VERY careful with Your money. If she has an emergency that needs a cash bailout, l check 2 things: 1 is this really an emergency that can be fixed with money? 2 What led us to this point, and how do we make sure this never happens again? 