<prompt> Human: So I still owe 7,000 on my car loan and I got that coming out my check every two weeks for a bi weekly payment of 200. The problem is I still need a car to get around and Im also a senior in college with 3k that I owe my school. I cant finish my last 30 credits until i pay this 3k that I owe them. x200B;I make about after the 200 is taken out my check I walk home with about 800 bi-weekly. x200B;I have no money saved up Hard lesson Learned x200B;  <response>: You cant afford another car, you couldnt afford the first one given that you were driving without insurance and you should count yourself lucky that the only thing you are out is your vehicle - as opposed to facing down thousands of dollars in liability to damage done to other persons or property. My recommendation? Move home, or into the cheapest possible living situation you can find, and buckle down to pay off your debt while you ride a bike or take the bus where you need to go yes, it will suck, yes, it will take time, thats the consequence of the previous choices you made. Pay off the 10k you owe, save up an emergency fund and then re-enroll in school. If you absolutely need a car, pay cash for one and make sure that you include insurance in your budget. 