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I will try to make this quick. About me: 24 years old, 3 year old daughter, 5 months pregnant, full-time senior in college, 1 full-time job, and 1 part-time job. Current car: 2007 Kia Rio, 120k miles on it, worth about $3,000, still owe $8,800 (I had a really bad interest rate - 22%). I...