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Well, if you even bothered to mention #3 then you must not miss the car that much. Pay off your debt and save up for something better. There's a bazillion new or updated cars around the corner, and that'll just help negotiate price on these cars. You could buy a pretty decent beater for $6700
I totally missed the part on the credit card debt. What APR are you paying that at???? KILL THAT WITH FIRE!
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