<prompt> Human: 67,326 in Federal Direct Loans student loans. 10,700 of which will need to be paid. I work in Public service and qualify for the PSLF program. I understand that Im 10 years shackled in public service. I have 789 in credit card debt.My immediate concern is the car I purchased. 2013 Honda Civic Total Loan 15,000 72 Term 5.68 APR 247 Monthly Payment im havent been making extra payments 11,800 left to payoff 54 Payments remaining 88kmilesShould I trade my car in and get something cheaper?I make about 1850month at my job. My monthly expenses amount to about 1470 everythingAssistant: Making 22K a year for the next decade to avoid paying 67K is not a very good plan.You need to get your income up. What are your prospects for doing that?Human: Well I get a 3 raise every year and in 2019 were supposed to get an increased pay scale by how much; I am not sure.  <response>: 3 if 22k is nothing. You need a better paying job 