<prompt> Human: Looking to buy a car and wanted advice on what would be the best directionCurrently have 12k saved up18k in student loans maybe advice on how to pay these off best?Making around 35k a year after taxes not salaried21 living at home with only 150 a month rentIs it better to finance through a dealer or take out a loan through a bank?Im pretty dead set on a 10-15k budget as I want a relatively new, attractive car with decent reliabilityCurrently looking into Subaru Foresters 14-17Mazda 3,6s 14-17And a Honda Accord 16-17Currently driving a 1998 Cherokee so insurance is bundled in with rent but when I get a new car I will be paying the new insurance.Im not much of a spender maybe 200 a month besides rent.Assistant: Focus on your loan if your current car still runs fine. Buy the car later. Human: Car runs poorly tired of it and looking for an upgrade, gas mileage with these 4.0s is atrocious and its a 30 minute drive to work  <response>: Interest on your loan is going to be more than the gas savings. 