The 2020 version of the car you want to purchase is $19,000 and can be financed for three years with a 6.18% loan How much will your monthly payment be (round up to the next dollar)? $  

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the answer to your question a or b but i am pretty sure it is b. i hope this : )

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$650 per month plus utilities

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just based on the info you gave, it would seem more cost effective to rent at $650 per month plus utilities.   if utilities are, in fact, $150 per month, your monthly living costs would be $800 as opposed to the other option of $825.