<prompt> Human: Just to start Ill introduce my situation: Im 19 with a 6 month old baby, I have little to no living expenses, my responsibilities are my car payment, car insurance, phone bill, and cc bill. Along with saving for school and diapers. Total monthly expenses come out to around 900. The 6 month old formula is covered by wic and her insurance is medicaid which will change about 8 months from now. Her mother and I are together and I provide for everything the baby needs for the most part. A couple of months ago i made the decision to finance a car, at the time I had a job that allowed me to do that and still be in the positive at the end of the month. What I didnt do however is make sure that the job was secured to me, unfortunately it was not and i lost the job shortly after finalizing everything for the car and i could no longer back out. Now i am trying to get out from under the payment. I owe around 16,000 on it and after pricing it out Im trying to sell it for 18,000 so I can either get a different car free and clear or buy my moms Subaru which she offered to me, I just had to get a loan for it. My step dad will also be able to work on the Subaru and has offered to do so. If I can sell my current car for 18,000 and get the 2,000 I could get a loan at about 8 interest for 14,000 with a down payment of the 2,000. The job I have is allowing me to bring home about 420 per week with a total of 1,680 per month along with a side job on weekends that can bring between 100 and 300 extra per weekend and at the low end bring my total income up to 2,080 a month. I guess my question is should I buy the Subaru and try to pay off the car loan as quickly as possible or get a car that Im not sure of the reliability of? EDIT 1: For those of you saying I was trying to be cool, it wasnt about that at all. I wanted something reliable that would age well, get great gas mileage, and be safe for the baby. If it was about being cool, I wouldve gotten something more expensive and sportier. I bought a civic, not a mustang. I came for advice, not to be dragged for my lack of knowledge on the subject.EDIT 2: The Subaru maintenance would be done at home, granted the loan while not a great idea as of now, would make it easier in the future credit wise. EDIT 3: With a loan for the Subaru, I would be throwing roughly half of my income at it, meaning it would only take 12-18 months to pay it off. Though I could get something cheap and reliable for now until I have the ability to pay cash for it.  <response>: You need to find a cheaper car. There is no point in selling the car you have to buy another one that costs almost as much. You need to take into account any DMV fees, sales tax, etc., you cant recoup any of those expenses. Try to sell the car you have and look for an older car that is in the 2-4K range. 