<prompt> Human: So I brought in my 2013 Hyundai Santa Fe to the dealership last week for some routine maintenance. Before I went in, I got a call from them asking if Id be interested in selling my car back to them. I said I couldnt talk, but would be open to chatting while Im there, but made it very clear its a firm no unless this completely pays off my car debt right now, and then some.So while I was there, they said they could do better then market value, because its a high-demand right now, and it would save them from going to an auction paying auction fees. Same old-story.I dont have exact numbers with me right now, but roughly: I bought the car brand-new in 2013, and have taken great care of it. Only driving between 10-12K each year. Payments are about 570month right now, and should have roughly 10K left on the lone. 66 month term Offer is for 17K, with no requirement to look at a new car.I also asked about another car option as a replacement, and was told I could either lease, buy somewhere else, or buy a new car and they can work with me on the rate. he did some quick number crunching and said if I got the 2017 version of the car, and bought it, with the same terms I have now, it would be 515month.So I recently started getting out of some debt... just paid off one credit card, about 1 months payment left on the last and Credit Card debt is done. I still have student loans and other bills obviously.New baby coming next year too.I have until the end of the month to make a decision -- what are your thoughts? Just keep paying off and get rid of car payments? I have another car that is older, that my wife drives, that is completely paid off. We do need two cars though.I also had extra warranties, and other stuff that inflated the cost of the car at first. What about those? Transferrable?Thanks in advance. Can post more details when Im at my desk.  <response>: You have a baby coming, and you want to buy a new car and go further into the debt youre just getting out of?These letters are common - they just want to get you into the dealership. Theyre not going to offer you some magical higher-than-market-value price, and of course theyre going to try to sell you a new car, and theyre doing to make it sound cheap by telling you the price in terms of a monthly payment. Your car isnt special - businesses know that getting existing customers to buy their products is much cheaper than trying to get new customers.You owe 10,000 on your car now. Getting a 34,000 loan for a car you werent even thinking of buying is just a terrible idea. 