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I see her car getting repossessed in her future. She should of looked for a car around $18000 put her $3000 down. She might not like it as much but I sold cars for 30 years and I saw it all the time people buying cars they couldn't afford. She probably took out a 72 month loan. Buy a less expensive one insurance cheaper payments cheaper term for loan less. If she can afford the 600 payments pay extra. Would be better off in the long run.