so reguardless, you’re still trying to buy a car thats over $20k, therefore your payments will be high. You’re losing your bank either way, whether you use it for a down payment (dumb) or to pay off the gti and sell it privately (brilliant, more$$$) and you’re going to need to come up with more money or cars to put down to keep the payment low.
trust me I went from a $272 pymnt to a $488 before and I was in fact handling it just fine… but it sucked ass.