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Someone said it, buy a used MT. Sell your car straight up and you can probably pay it off. Or trade for a used manual. I wouldn't buy this car new. Just not enough car for me to pay nearly 30K for it. I paid half that for my 13 MT with 43k miles on it. Just not sure I'd want this as a new car. You can forgo all that modding and just buy something fast in the first place. When I trade this one in I'm going back to fast. But this isn't about me its about you and sounds like you have a plan so go for it
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Back from bancation in Banopolis where I laid on the beach with a beer between my legs. I  at night and ate  at sun rise |