<prompt> Human: Okay reddit, I need your help. Every family member is giving me different advice and I have absolutely no idea what to do. This has all happened so fast that it may seem all over the place, but please hang in there. I have a 2013 Mazda CX-5 with 55000 miles on it. It was recently in a hail storm and my insurance is considering it totaled. I owe 7100 dollars on it. The body is pretty dinged up for sure, and the windshield needs to be replaced. But overall this car has giving me 0 problems since Ive had it now for 4 years. Insurance will give me 10900 to retain the car, so I will have about 3300 left after I replace the windshield and pay it off. OR I can let them take the car, they will pay it off and give me 9875 to go find a new vehicle. Here is where it gets complicated, I have about 6400 in Credit card debt at an interest rate that it about 19. I am in a degree program in healthcare right now that is aggressive and its hard to fit in a lot of work hours for. Hence I have just been barely scraping by making the minimum payment on my CC and my car paymentsinsurance. I will be in school of another 2 years. I have to have a car to get to and from school and clinical sites. Do I take the 9875, pay off my high interest CC debt and go get myself a cheapish vehicle Ive found some decent cars, low mileage for about 9000 that I may have to finance about at max 5000 on, but with a much, much lower interest rate probably around 3.5, but lets not forget the extra 100 dollars a month that will be needed for comprehensive coverage insuranceOr do I keep my current car, get only liability insurance on it for about 40 a month, put 3300 towards my CC debt and just keep chipping away than at my credit card debt as much as I can. I have gone over every scenario in my head and each, at least to me has its pros and cons. And like Ive said, all my family has different opinions. Thanks for your advice reddit! And dont worry, Ive cut up my CCs ;Location: Colorado  <response>: Keep the car. Take the extra 3300 and pay down the credit card. Get a new car later when you have no debt 