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I'd ditch the Cruze for the same reason you want to, debt really sucks. I personally don't think having a fancy car is worth going into debt. You're in it for maybe an hour a day? Take the ~$300 you save a month, put it into savings (or investments). By the time you need to replace that $3500 Civic, you'll be able to pay cash for a much nicer car (if thats what you want), or buy another $3500 car and keep those extra thousands kicking around for whatever. If that Civic lasts you 5 years, you'll have saved 18k (assuming $300/mo saved for 5 years)!
As a side note, I also do all my own maintenance on my cars and don't mind fixing things when/if they go wrong which does happen with older vehicles.
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