<prompt> Human: Hey PF,I recently totaled a car month and a half ago and have it covered via GAP. In the process of getting a new car aiming at 10k because I am working part time while going to school full time. I need a very reliable car for the long commute.Anyway, I was looking at a preowned car at a dealership in my price range and due to my low income decent credit score though, need a co-signer. I have a co-signer and we went to get everything in order. This time, it reflected a car loan that was supposed to be closed also totaled and paid out through insurance and remainder was rolled into the new loan but was still open. So now its reflecting three total open loans one for a motorcycle and almost paid off, one for the one totaled years ago and paid off, and the recent one. They are now suggesting I have me and my co-signer try to get a newer car and they lowered the price by 14 to about 15k and said it is for equity purposes. I feel like this is just a big up sell, is it? Thoughts? I plan on contacting both banks about closing the two autoloans and I am taking insurance into account as well.EDIT: I should also say I only put 500 down initially. With a newer car, the dealership is offering to add 3,500 to the down payment so it looks like Im putting 4k down. The MSRP is 19k.  <response>: You wanted a car for less than 10k and theyre trying to sell you one for 15k by loaning you the difference.Of course its an up sell. Of course youre getting screwed. P.S Stop taking out auto-loans and then totalling the car. 