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@delistuff What are you using the money for ? If it’s to study please be sure that as soon as you graduate the benefits of the course will reflect in your salary for example writing a board exam or formal certification. If this course will not result in immediate benefits I would suggest saving...

@elainecrawford Call the bank and ask for the settlement amount of the car. Then take the car to a dealership or we buy cars and get a quote for how much you would receive if you sold the car. Would you sell it for more than what you owe the bank ? Then go to reliable and competent mechanic...