<prompt> Human: I read the sidebar and hopefully Im posting this in the correct place. So basically I plan on taking out a loan for September to go to school for a year, 4000. I have nothing saved up as I live paycheck to paycheck , and make car payments which are 600 monthly including insurance. Also am currently paying off previous student loans from unfinished schooling.I will be going to school full time and will be unable to make any payments. I cant sell my vehicle because without it I cant get anywhere, dont live Im city Im just looking for advice on what the smartest wayTo approach this would be? If this sounds stupid I apologize in advance but I dont have any family or Friends to ask due to certain reasons Which I wont go into..  <response>: I cant sell my vehicle because I need it is a bad excuse. Nobody needs a car that costs 600 monthly to get around. You can easily sell it and buy a used car for a much much cheaper payment. 