If it survives a month you can buy another $500 clunker instead of losing the same to a new car loan, though they are far more rare these days (the example clunker typically now costs closer to $2-$4k now, or ~4 months of new car loan payments that you’d be stuck paying for 6 more years). The sweet spot is 10-15 year old cars under 200k miles and using small loans if you can’t pay cash. New cars are for idiots and the financially independent, but newer cars 5-10 years old can be worth the price/stress tradeoffs for some once you can afford one.
You’ll also get far more savings primarily riding a bike (and ebikes make this far easier once you can afford one) since most of your trips are likely under 5 miles, and your old car will last a lot longer for when you really need it. You might even find you can get by without owning a car.
Not really a album but MyNoise.net has a lot of good generators for background noise. Radio Free Fedi’s Comfy channel also is great for chill study music, and it only plays indie artists that have Fediverse accounts with links to the artist support pages where you can either buy their albums (or songs to build your own piecemeal) https://radiofreefedi.net/.