<prompt> Human: Well not really in debt but I take out 7k a year in loans to help pay for school. Im going to be a dentist eventually, army will pay for dental school but not for under grad. I have a Scion tC 2005 right now with 140k miles, I just dont like it any more. The car I want to buy is a 2014 Toyota Camry with 40k miles, very reliable and I plan on keeping it for the next 10 years. I can sell my current car for 5k and Ill owe 10k in the car. I will do a 48 month loan and will owe 250 a month. I really like this car buy right now I just dont know if its smart to get it. I work, make 800 a month. Have around 400 left over each month and would really like a newer car. The military will give me a 20k signing bonus and a stipend of 2k a month while in school, but thats in 4 years though. I dont want to wait till then because i need a car now, I travel home every 2-3 weeks and its a 4hr drive each way, the tC is just not comfortable enough, plus I can drive uber on the Camry for some extra money.  <response>: Your reasons for wanting a new car are: You dont like it anymore Its not comfortable enough Would really like itThese arent good financial reasons to spend 15k you dont have on a new car. Youre also counting future money before you have it, which is a bad tactic. Keep the scion, save up enough to buy the Camry without financing it. In 4 years if you save your 400 a month youll have at least 19k, PLUS the military money. Then you can think about a new car. 