1

What is correct here?

  1. it could pay your mortgage and car payments

  2. it could pay your mortgage and car payment

The monthly payments are separate and distinct so #1 sounds right, but in #2, mortgage and car modify payment, a single payment—a single mortgage payment, and a single car payment. Instead of saying 'your mortgage payment and car payment' the sentence just leaves out one 'payment'.

If 'or' was used, then payment, singular, would be correct:

  1. it could pay your mortgage or car payment

marked as duplicate by Laurel, David, Community Jul 25 '17 at 12:08

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  • There's nothing special about "payment". Mortgage and car modify payment(s). Use different modifiers and noun (and verb): "It could rot your ripe and [your] unripe apple" (one ripe and one unripe apple) or "It could rot your ripe and unripe apples" (multiple ripe and unripe apples.) – anongoodnurse Jul 23 '17 at 21:47