<prompt> Human: I am interested in teaching abroad ASAP. I have a job at an international charter school, I make 2,200 a month. I need to repay 40K in student loans but would like to explore forgiveness options. Im finishing my grace period here on December.I also recently purchased a car at 30K with a zero percent interest rate, 60 month repayment. I am making 500 payments a month.In addition I have calculated about 500 for expenditures including insurance, gas, phone, food, etc..I have three student loans essentially...17,000 - private loan23,250principal balance - federal student loansCan anyone help me please explore my options? I would like to ultimately pay off my car and savings to travel!  <response>: Holy shit that car. Assuming your take home pay is 2.2Kmo., that car is costing you 30-33 of your salary per month including gas, insurance, parkingtollinspection, etc. excluding maintenance. Thats more than most people budget for their housing.Return the car. Sell the car. Do anything you can to get rid of that thing, its going to ruin your life.Edit: Can you bike to work? Do you live in a city with public transporation? You dont have 2,200month, you have negative 40,000. You cant travel. You certainly cant finance a 30,000 depreciating asset. When youre a millionaire twice over and retired at 60, you can drive whatever you want. Dont fall victim to the trap that you need to drive a nice car to look successful. I make 180,000year and I take public transportation. I bought a BMW when I was 25 Im 31 now and that cost me hundreds of thousands of dollars due to lifestyle creep. Its a real thing. You drive a nice car so now you need to go to fancy restaurants and drink 100 bottles of wine and buy your furniture from Restoration Hardware. Stop. Listen to someone who made the mistake youre about to make. DO NOT KEEP THAT CAR. PAY OFF YOUR DEBT. Everyone that tells you you work hard, treat yoself, yolo swag is fucking broke and theyre going to be broke their entire life. Keep reading this subreddit and you will be rich! 