<prompt> Human: Im graduating from college in a few months and am trying to get my financials off on the right foot. Ive worked hard to maintain a good credit and no debt, aside from student loans, since I was 18. I have a credit score of 750 if that matters for any suggestionstips. The Debt:I have about 60,000 in student loans. Half a mix of federal subsidizedunsubsidized loans at various interest rates between 4-6, the other half a Chase student loan with an interest rate around 9-10. I have no credit card debt.Monthly Expenses:Ill be moving back home, so my only expenses will consist of the following:Gas - 300 100 mile daily commutePhone - 50Car Insurance - 125Ill be making around 40,000 a year when I graduate. My main goal is to pay my debt down as quickly as possible, but I currently have a car that is nearing the end of its life and I anticipate Ill need to look for a new form of transportation within a year. One big question I have is in regards to finding a new vehicle. Ive listened to advice from my father, who suggests I buy a new car a big rfrugal no-no when the time comes. His logic is that buying a used car will come with more repairs and maintenance costs and no knowledge of how well it had been maintained. So when all is said and done, buying a used car for 10,000-13,000 can quickly add up to the cost of a brand new 20,000 car. Im very weary of adding on this type of debt while I still have my student loans to worry about, but at the same time would find more peace of mind knowing I have a guaranteed reliable vehicle. I apologize if this is really scatter-brained, needless to say Ive got a lot of things Im worrying about. Any help or advice rpersonalfinance could offer in regards to how I should go about paying down my debt or decisions I should make would be much appreciated, if theres any more information necessary to better help me out please let me know and Ill do my best to provide it.  <response>: So when all is said and done, buying a used car for 10,000-13,000 can quickly add up to the cost of a brand new 20,000 car.Thats bullshit thinking. Theres no way in hell a 2-3 year old car will need anywhere near 5k in repairs for the first few years in its lifetime. Most of the taking care of cars is just oil changes, brake pads, and other easy things everyone already takes care of. Either way, a new car is almost as likely to break down as a new car is. Personally, I would never buy a car newer than 2-3 years. Since you have a good credit score, I say finance a car and just pay down the student loans. The car loan shouldnt be anymore than 4 and Im assuming most of your student loans are at 6. 