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^^ I say all this because i was in the same exact position. Had my civic, but paid it off and sold it. Was able to put down the money from the civic plus $1000 college discount got me a low 300/mo payment! I love the fact that my car payment and insurance is well below $500. So, try to make a smart decision and wait if you have to.
If you are balling status than go for it!
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