Worth investing in body work

Evaluate the repair costs against the RAV's value after the repairs. if you spend $3500, and get the RAV back to what it was before the accident, then you will break, about, even. (OK not really cause you shelled out $3500- but ?) However if you were to take the same $3500 ( I know you don't have it, but just as an example) and apply it to another car, your payments for the balance may be in the "do-able" range. if you qualify, etc.,etc. I have been in your situation and it is never a easy choice, a lot depends on how much you can do with what you have. Best of luck