If they are moving out of country in six months, she can have a $5000 car or even less and have little to no car payment. I mean she really just needs it for social activities, right?

And while your mortgage stays the same, rent prices, continue to go up as well. When I bought, it was a stretch and more than renting but if I try to rent in my area now, it would be about 2.5x my mortgage.