<prompt> Human: I work as a preschool teacher for a Head Start organization. Sadly, that does not get me by at all. I am moving in with my fiancé in July, and he accepted the fact that he will mostly be in charge of the living expenses. I do not want him to do that by himself. I realize I will not be able to pay off all of my debt by then, but there has to be something I can do? I currently make 10.35 an hour, and I will be getting a promotion the following school year where my pay should just to around 13. Come DecemberJanuary of next year I will be making 15. Finding a second job is not really an option due to the extra work I have to do in the evenings to have lessons ready the next day plus being in school full time.Rough take home pay a monthafter taxes and benefits: 1200.401k investment: 3Car payment: 310Car insurance: 81Medical debt: 17k Severe migraine attacks and an emergency surgery when I didnt have insurance. Fun times.Student Loans: 32k in deferment Gas: 100Groceries: 80I am planning on having my organization pay for my schooling in January next year for my bachelors. I think my loans will be forgiven if I work a certain amount of time in Head Start? I am not sure if that works for additional student loans not used for the degree or not. Getting rid of my car is not an option since I currently drive 45 minutes to work. Once I move I will be closer to work, but bus lines in Indianapolis are not reliable to get to work on time unless I leave at 3am. I currently pay 200 monthly toward my medical debt, but it never goes down due to the interest. I do not think I qualify for refinancing since I just recently started paying it off in October? But I am not 100 sure on that.I do not own any credit cards. I tried to get one for gas and couldnt qualify. I have also seen how horrible my family and fiancé manage their credit cards and do not want to get myself in that mess as much as possible.I also do not have an emergency fund if something happens. All I have is the 401k, but we are not allowed to pull from it unless we are on LTD. Assistant: You cant afford the car. Sell it and buy something dirt cheap to get you from point A to point B. Perhaps fiancé can help with the car if he has a better job. You really need to make more money. Career change should be something you consider. Human: As of right now I will have the car paid off in two years. The car is in fantastic shape as well. I just do not see how I can justify selling the car for something cheap that might break down in a year or two. It just does not sound logical in the long run.  <response>: 310x24 7440.4000-5000 into an old civic, Corolla or Camry, thats 2440-3440 youve just saved yourself, not including any profit youd make if youre not upside down on the loan, and the reduced cost of insurance, and when it breaks, get it fixed for cheap or buy another.The reality though is that you bought a car that vastly exceeds what a normal expenditure on a vehicle is supposed to be 20 max of your take-home for all auto related expenditures: gas, insurance, maintenance, loan, taxes.You dont have to dump it, but doing so would free up a lot of income. 