<prompt> Human: Income:2860 monthlyDeductions:Rent all bills paid: 920Netflix: 8Credit Card Only used for gas: 80-100Car Note: 296Insurance: 178Internet: 68Phone: 135Groceries: 100-120Misc random spendings:100Total: 188521 years old, Divorced, 600 - credit score, military.Current car is a 2008 Ford Focus. Just real tired of it. I want a better car. KBB says its Fair Condition trade in value is 4400. I owe 3600. Im really just looking for the total amount of the car I can afford, and how much I should initially put down 20?. Thank you!  <response>: If your current car is fine, taking out a loan to upgrade isnt a smart financial decision. If you want a new car, save up for it. There is no reason to take out a loan for a car in your situation. 