 What you do next is going to determine how quickly you want to get out of debt and how quickly you want to get right side up on this situation. You might decide, hey, I'm going to buy a beater, like a complete $8,000 beater. I'm going to drive that. I'm going to put my wife in the forerunner because it's a little bit better. And that gets you closer to paying off this student loan you have. Then you turn around, you pay off that personal loan you had. And then in the end, you're debt free. And trust me, you'll be able to upgrade car quickly with a $230,000 increase.