<prompt> Human: Two years ago at age 22, I made a pretty unfortunate decision to purchase a car that was far more expensive than what I needed. Its something I technically could afford, but definitely not a wise financial decision. Two years later, Im looking to correct the mistake and make the best possible choice. Heres the current situation:nbsp;Salary: 85kKBB car value: about 19kLoan value: 12,850 .9 interestMonthly cost min. loan payment and insurance: 470nbsp;I dont have any other loans or major expenses beyond rent. Ive been good about saving money each month, and realize I couldshould have been paying more than the minimum car payment. That said, it seems like these are my 3 options moving forward: 1. Pay off the loan in full and keep the car. I have saved enough money to comfortably do this if necessary. 2. Trade-in car for something cheaper3. Maintain status quo and keep making the monthly paymentsAny thoughts or comments would be appreciated! I realize, though this was a mistake, Im fortunate to still be in this kind of financial position, and Im very grateful for it. Thank you!Assistant: Sounds like you are in this pretty deep already. A few questions that would help readers. 1. 85k where? 85k NYC, not that much. 85k Atlanta is pretty good. Does the payment hurt you taking in to account food, rentmortgage, clothing, etc.2. How do those numbers calculate to total months left until payoff?3. What kind of car? Something that, statistically, could last awhile without huge repair bills, i.e. Toyota, etc.Without the answer to those questions, I would hazzard the guess that you should keep the car, pay it off and drive it until the wheels fall off.Human: 1. 85k in DCBaltimore metro area. Current rent is about 1,300month. The payments are manageable, I can still afford rentfood401k investmentetc. 2. I believe its 35 months until the loan is paid off at this clip. 3. Its a 2014 Mazda, new when I bought it. I havent had a single issue with the car.  <response>: Keep the car, take care of it and pay it off. It will last you a very long time. 150k miles. 