I don't like being in the hole 12-13k between my college loan and the car payments, but my ass is covered now that I've got a 2 yr service plan and full coverage on the car. Being a good driver helps. I'm only 22, and have a sportier version of my car and I've only got to pay $700/6mo. for full coverage. And it only goes down from there. The bad news is I gotta pull a 40hr week. *sigh* At least summer is about 5 weeks away for me...and I should be able to transfer to a different department and make a little more cash this summer.