<prompt> Human: So, I fucked myself up financially and Im trying to decide the best plan of action.I currently have about 12000 in debt. 1 2000 in credit card debt, 23 APR 2 8500 car loan, 5.7 APR The problem: I totaled the car long story, kind of my fault but also not because of dark backroads and deer.I could potentially fix the car, but it would cost me 5500. Its a 2012 Mazda 3 4-door with 75k miles and its worth 8000 at best. Insurance isnt an option. Im on my familys plan and we all apparently suck at driving. Another reported accident will skyrocket our already ridiculous premiums, or wed get dropped altogether. I dont think another company will take me on, especially not any cheaper.If I wanted to get it fixed, Id have to take out another loan on top of the 8500 car loan, bringing my debt to a whopping 17500. Not gonna do that. I need a car. I live in the suburbs and there is not public transit here. I work full time and commute to school 40 minutes away. Theres no getting around it. The question: is it worth it or even wise to take out a personal loan to get my ass out of this pit? I know loans are NOT a get-out-of-debt free card. I havent touched that credit card in 6 months. I may not be the savviest miser, but I do realize the gravity of debt. My idea is to take out a 12-15000 loan, pay off the totaled car loan, buy an inexpensive but reliable replacement, and potentially pay off that credit card that APR hurts, my dudes. I have some savings, and even though my Mazda is trashed, it is salvageable and I bet someone will buy it for 2000. Ive started looking at online lenders like UpStart and LendingTree. I have plans to go to the local credit union, but I feel like my circumstances will make me high-risk.My credit score is 703, and right now my income-to-debt ratio sucks.What do you guys think of my plan? Anyone have any advice or experience with personal loans of any nature? Maybe Im missing something in my perception of car insurance?Thanks.  <response>: Insurance isnt an optionIt sure as hell is better than getting in the debt trap of personal loans. 