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I'm 18.. senior in highschool and i pay and have paid off every single penny of my car and gas, but then again i don't have the bill utilities like you do. Just save up enough for a down payment and at least half of the payments paid off.. in my case i leased for 3 years, 3k down, and had saved up enough money to have 1.5 years paid off, and during that time pay off the rest!
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