<prompt> Human: Here is my situation:2012 Ford Focus 54k mi KBB private party value: 10,691Principal on loan: 7,069.56 at 8 I bought the car when I had zero credit history its MUCH better now.Monthly payment: 275.21 Ive been putting an additional 100.00 towards the principal per monthI have about 11k in cash right now and after tax income of 3,900 per month. Does it make sense to pay off my car right now and put the monthly payments to my student loans which total 23.5k and have a minimum monthly payment of 258.00. Or should I sell my car and buy a car in the 7-8k price range? I do need something that gets 30-40 mpg highway because I have a gnar commute. What should I do what would you do?Thanks!  <response>: Id pay it off. Or if you dont want to do that shop around and see if you can get a new loan at a lower rate. You might be able to find 3-4.But it is awesome to not have a car payment. 