<prompt> Human: I have about 20k debt, Ive been wanting to buy a new vehicle, should I put a big down payment on the truck or use that money to pay my debt off? And if I pay my debt off, how long before I see a increase in my credit score? Or should I get a secured card, and use that to help pay off my debt?  <response>: Do you really need a new truck...? Do you need to buy a vehicle in general? 