Trade in the car for a nice used car w/ around 80K miles on it. You can get some bad ass GS-t's, GSX or cars for 8 grand and they have loads of mods already put on it. I bought a 27K brand new Eclipse GT paid like 17 grand on it then got rid of it. I would have love to use that 17grand on buying a car flat out and having no payments on it lol. Buying a brand new car is for people that make some good money unless you want a nice big hole in your pocket.