<prompt> Human: My mom has been historically meh with her finances. But with the threat of working past retirement age creeping closer she has started to take some basic advice about her debts, budgeting, saving, etc. Today she asked for my advice about her car. Breakdown: Moms current credit score: 630, trending up.She owes 8,700 on her car, loan is through GM at 9.1.She bought the car coming out of a divorce with worse credit.KBB value of her car is listed as 5,500 private party, 3,500 dealer trade in.Key point: She had it serviced recently at 100,000 miles and the mechanic showed her the 5 quarts of black sludge that was her trans fluid capacity for 8 quarts. He told her that he didnt expect the transmission to last a year.Extra: A doctor she works with has offered to sell her his used 2013 Mercedes E350 Formatic with 28000 miles for 20,000. Cursory KBB with limited details says its worth 25,000  <response>: So your question is, should she sell her car now at about a 3,200 loss and avoid the possibility of a bad transmission and take our a loan for 20k for one of the worst vehicles out there?The answer to both of those questions is no. 