The car payment is likely that high because of the interest rate. If you have bad credit (and a lot of people do so no shame, I’ve been there) then you end up in the position of needing a car and the only loan you can get has an APR of 20% or so. I have a loved one with a very bad credit score and their car is around 10 years old and their payment is about $600/month because the interest rate is around 20%. They knew it was a shitty deal but they have to have a car for work. It sucks.