<prompt> Human: Hi all. I am a recently engineering grad and bought a new 2017 Tacoma about six months ago after having consistent car troubles with the beater I had been driving since high school. To some degree I had it in my mind that I deserved it, as I had my mind set on it for at least a year before buying it, but Im already sick of making the payments. I make 52k a year before OT. The truck was 35k after TTL, i put 9k down. Financed 26k at 2.5, 60 months. The truck has great resale value and my reasoning to myself getting it is that it will last me 15 years if I want. I would love to keep the truck. Im not the kind of guy that wants the newest flashy toys so I have no doubt Id be content driving it that long if I could afford it. But Im questioning a little late-- I know, save the lectures if I can truly afford it. Part of me wishes I wouldve saved my money for a down payment on a house. Heres a little more info on my other financials:The payments work out to be 400mo. Insurance right now is crazy, 200mo. but will likely go down drastically next month when two tickets disappear from my record finally. I have 36k in student loans all of which are in deferment as I am a grad student. Does anyone have any advice? Keep the truck because its reliable and holds its value well? Or trade it in for something more reasonable and pay off my student loans ASAP?  <response>: Well, when I was making 52k there way no way I could make the numbers work to purchase a 35k car and I didnt have any student loan or other debt. So no, you cant afford it. 