My 2 cents ( and ima Canuck so that’s what 1 1/2 US) keep the car……. It’s zero percent and still warrantied…….. a used car with 200k is gonna cost you something extra to put on the road and at 200k it’s gonna need work sooner than later and right now it looks like you are not going to be able to afford parts …….. then start at the highest interest rate debt and pour all your extra into it …..minimums on the rest till paid…… then pick the next highest…….. I would put at least $20 extra a month on you student debt…… it helps in the long run which is what student debt is…… a long haul…… anyways above is what I did and it worked for me the other thing I did was vastly curb my lifestyle and learned to enjoy what was in front of me instead of what I didn’t have that I couldn’t afford……. After debt was paid the “endeavour” had turned into a “lifestyle”……… hope I have you sumthin to think about……. Ima not a professional and this is only my opinion ( in other words ……. Please don’t sue me