Situation:

(1) My Ford Focus ST value is roughly $1,000-$2,000 more than what I have to pay off (included: 2 years, 35,000 miles left in Powertrain warranty)

(2) I am uneasy because all Ford cars have been discontinued (future difficulty obtaining parts, etc.)

(3) I take the subway to work, M-F, need a car Saturday to my second job, and sometimes visit my gf's family Sunday

(4) GF got her car back (her family had been using it) so she is fine with us sharing the car for all reasons of point (2)

(5) My current APR is 8% through a credit union, the credit union stated that if I were to purchase another car, my loyalty status will make a lower APR available.

(6) My credit union is partnered with Enterprise Car Sales, where they will give me $1,000 on top of my KBB valuation.

(7) I could also sell the car privately.

(8) I would eventually need a car, for a future career path

Decision to be made:

A. Keep the car

OR

B. Trade it in and start a new 5 year loan /w lower interest rate in on a 4runner/Tacoma (vehicles that hold their value)

OR

C. Sell it privately

D. Whatever super smart suggestion r/ personalfinance peeps come up with.

*edited to include point 8*