I'm going to go in the other direction here. You make six figures. Yet you still have not only massive student loans, but also $15k in CC debt -- and then you thought it would be a good idea to tack on another $15k for a big newish car? Nonononono. You have violated the First Rule of Holes: when you're in one, stop digging.
You need to change your mindset -- that kind of thinking may be normal in the real world, but not here. Debt means that you are committing future you to continue working to pay off consumption that past you has already enjoyed (and probably forgotten about). The point of MMM is to reverse that by spending less and saving more, so that in the very near future, past you is paying for future you's consumption.
You need that CC debt gone, ASAP. And you need to stop thinking that more debt is a good way to pay for more stuff that you don't currently have cash for. If you don't have cash, you can't afford it. I am honestly stunned by the responses that, heck, it's "only" $3-4K savings. First, it's not -- it's probably more like $5-6k when you consider the extra interest you are paying on your CC because you chose to throw that money at a vehicle instead of your existing debt. And second, even if it is "only" $3k, that's still 20% of your CC debt, gone!
My advice is to do a full case study. There are many, many people here who can help you find ways to cut back your other expenses and knock that CC debt out ASAP. Until that is gone, you need to be either figuring out how to live car-free, or driving the cheapest rattiest hoopty you can find that still gets you where you need to go -- NOT a $10k car, that's just trading bad debt for slightly-less-bad debt. Think more like $1k. Preferably in cash.