The only time a payment that high is okayish is when you're getting a bigger car like a truck or SUV that doesn't depreciate so quickly. That's mainly because these cars are worth $40k+.

To have that payment on a $20k car @ 13%? Nope. Not worth it.

Good interest rates for cars are usually under 5%. Seems like you need to improve your credit score more before you can look at cars like that.

I'd look for simple used cars that are around $10k or less if you really need a new car.

Mathematically hitting the higher interest loan saves you the most money. The reason Dave and other experts say to hit the small loan first is because it can be accomplished faster and gives you a sense of accomplishment to help motivate you to keep going after more debt. It's more about psychology and growing momentum, but it's more effective when you have a wide variety of debts as it can be demotivating to throwing a lot of money at a really big debt while a bunch of small ones keep giving you tiny cuts.

If you're confident you can live frugally and consistently throw every penny you have at the higher interest debt until it is gone then do that.

If you've tried to tackle this before and gave up or keep getting sidetracked then maybe knockout the student loans first.

It has to do with with the turning force being applied to the head when tightening the screw/bolt/nut into position during assembly. Generally the higher the torque used to put the screw in, the better it will stay in position due to increased pressure on the threading. Putting too much pressure into turning the screw and you could damage the screw threading, the shaft threading, the screw head could snap off, you could strip the head, or damage the material you're fastening together.

So torque settings are recommended to both ensure the screw/bolt/lug will lock into place as tightly as possible, but not so tight that you will break something completely. The torque setting is determined by a variety of factors ranging from the materials being fastened, material of the screw, threading size, and physical size of both.

You set your tool to the torque setting. As you apply turning pressure with the tool it will hit that setting limit and click as the tool shifts/gives under the pressure. This is essentially the tool giving out before the screw does to ensure you don't over-torque and break something.

How well a screw stays in place is determined by threading size, original torque pressure, the material it's connected to, the environment, and other fastening additives like glue or locktite.

Get the pleasing wire free look without the effort of running cables in walls while sacrificing quality and your wallet.

While a round trip can take nearly a minute, your foot is at one extreme. It's only path available is back towards your core so it does happen within a couple of seconds.

The effect happens similar to a coolant line with a radiator. Your foot expels a lot of heat quickly because of the temperature difference, cooling the blood off. That now cool blood travels back up to your core, immediately absorbing heat from your much warmer core area. So what happens to your foot, the reverse happens in your core with the same blood.

The greater the difference in temp at your foot, the faster it expels heat, the cooler the blood, the faster it absorbs heat from your core once it gets back up there.

So you don't need to wait for the blood in your core to reach your foot to feel cooler. You just need cooler blood to enter your core.