<prompt> Human: Im 25 years old, I live on my own, no SO or roommates, and Im going to try and be as detailed as possible regarding how my money works. I think I made a really bad decision with the car and need to get myself out of this debt; I just did the math and Im at 49,408.11.I take home 1,772.34 a month for work. My rent is 400.00 a month including all utilities cable included too, I have the luxury of being able to walk to work so I only spend about 20.00 a week on gas for the weekends, I recently went back to school so some of my student loans are deferred for now. This gives me about two to three years to get my debt situated before I get slammed with an additional 20k give or take with the rest turning back on. Ive been trying to save money but each month it just seems like Im short and end up having to pull it out. I end up having to use my disgusting credit card as my emergency funds which I need to stop. Ive tried using budget worksheets and programs but I just cant get the grasp on one. Any input would be greatly appreciated. Thank you!Rent with Utilities: 400.00Credit Card: 20.99 - 5,982.25Student Loan Company 1Active Undergraduate Alt Loan Program: 3.16 - 10,752.32Deferred Federal Stafford Loan: 5.6 Fixed Rate - 3,078.68Deferred Federal Unsub Stafford Loan: 6.8 Fixed Rate - 1,477.07Student Loan Company 2Deferred Federal Unsub Stafford Loan: 6.8 Fixed Rate - 801.91Deferred Federal Stafford Loan: 6.0 Fixed Rate - 2,950.10Car: 4.64 - 24,365.78 - on year 2 of 7Edit 1:Car Payment - 370CPhone - 80Car Insurance - 70Edit 2: So yaa.. Ive thought about the car for a while now and Ive always just ended up convincing myself that its an investment. I never drive the thing so it only has 9k miles on it. Any advice on where to start researching on how to get rid of this thing with so much debt left on it?  <response>: You take home less that 22k a year, and your car is worth more than your annual income. You gotta downgrade. 