<prompt> Human: Hello! This is my first post. I just graduated from college and I will be accepting a commission in the Marine Corps. USAA offers a military officers a career starter loan of 25,000 at 2.99 interest with a 6 month deferment period. I am trying to decide if I should take this loan and if I do, how I should allocate it. 1. I have 28,000 of unsubsidized student loans between 4-5 interest. I could consolidate or refinance some or all of my student loans with this USAA loan.2. My car is in rough shape and it likely cant handle the trip to and from Quantico, VA for the next several months. Ive considered getting a reliable, used car with the loan and using the rest to refinance student loans.Thoughts or concerns? Im very nervous about this so any help would be much appreciated.  <response>: Your car loan will likely be less than 4-5 or you shouldnt buy one so, option 1 is better or sure both seem fine. 2.99 is good. 