<prompt> Human: A little over a week ago I totaled my 2010 Chevy Cobalt. My insurance company is going to give me roughly 4,500 for it.I have roughly 7,500 in credit card debt, which is currently interest free. Interest free period ends next month, but before I totaled my car I had plans to either transfer it to another interest free card or borrow the money from my boyfriend, who I know would do it no problem and let me pay what I can, when I can.Even before I totaled my car, I had been considering looking for a new car because the Cobalt was starting to have some serious issues, but was gonna try to get it to hold out until I had paid off the credit card debt.Now that my car is totaled, Im not sure what to do. I have to have a car due to the nature of what I do for work. I need to be able to haul a lot of boxes, and sometimes travel in upwards of 100 miles a day.Ive thought about getting a cheapo junk car to get me through and use the majority of the money from the insurance company to pay off the debt. Then once I have it paid off and saved up for a down payment, go get a new car.The other way up see it, I could borrow the money from my boyfriend and pay off the debt, and use the insurance money to put a good down payment on a new car now.I have a rental covered by insurance for another few weeks, so I need to make a decision soon. Im just so torn, and hoping to get some perspective from someone outside of all of this :P.S. the two cars I am deciding between are the 2017 Toyota IM or a 201617 Honda Fit.Thanks!!!  <response>: the two cars I am deciding between are the 2017 Toyota IM or a 201617 Honda Fit.why do you decide between two cars that are out of your league especially with the CC debt you already gathered.you should under no circumstances loan additional money to buy a new car. 