[Veloist]

You can get a used FR-S/BRZ Premium for less than $20k. I've seen some between $17k-$18k with 25k miles. With a price of that, after taxes you'd be right at $20k.

A 17+ BRZ would go for at minimum 24k+ tax if you can negotiate down that low.

If you go used, you can save $6,000-$7,000. The pre-2017 models drive just about the same. Actually, I prefer the 2013-2016 BRZ's because they feel less refined/more raw and therefore more connected to the car.

If you wait a year, you may even expect to pay 15-16k + tax for a 2013 model with 30k miles.

You can even pay off your loans in a year, and even if you don't put a down payment a used FR-S/BRZ should be less than $400 a month.