Car repair--it looms over student pocketbooks like a specter waiting to strike.

But cost is not always as important as quality when choosing a mechanic, says Stan Hathcock of the Automotive Service Council in Atlanta. "The lowest estimate seldom represents the highest-quality work."

Though not always an easy task, finding a competent mechanic should be a top priority. Hathcock advises checking with local consumer agencies or asking friends for recommendations.

Once you've made a choice, get a written repair estimate (including parts, labor, and tax). Tell the mechanic that if actual repair costs exceed the estimate by more than $10, you are to be notified before any additional work is done.

Beware of vague, unitemized estimates that say "fix engine" or "repair car." Be sure you understand your warranty coverage before repairs are started, and ask to see old parts after repairs are made.