<prompt> Human: I own outright I have the title a 2012 VW Passat with 114,000 miles. Due to my car being part of the scandal, I get 5,200 cash for reparations no matter what I choose. My choice is whether to sell the car, or keep it and have VW correct the emissions problem for free. VW would buy back the car at the Blue Book rate prior to the scandal, which would come out to 11,600. So if I sold the car, I would get 16,800 total car sale plus reparation. If I keep the car and have them fix it, I would get 5200. I have 35,000 in credit card debt, 22,000 of which is 8.15 interest, 13,000 is 0 until February 2017 due to a promotional balance transfer rate. Im already budgeting and progressively paying these off. If I buy a cheap used car, I believe the car loan interest rate would be much less than the credit card interest rate. I still have a decent credit score. I could use the money from the car salereparation to pay off most of the 22,000 at 8.15. What should I do?  <response>: Give them the car, take the cash. When they fix your car, is going to make it worse. There is a reason they decided to cheat! Your fixed car will be slower and burn more fuel. It will be tough to sell.Take your 16,800 cash, buy a nice reliable boring 5000 car, throw the rest at your debt emergency. 