<prompt> Human: All my life Ive been a car guy well mostly a muscle car guy my dad has been too, my birthday is coming up in 10 days and I was thinking of getting a 2015 Mustang gt but when my mom called to get the rates were gonna be 400 for insurance and 400 for the car letter, we came to an agreement that I would save up for the next 12 months, at the end of the 12 months I should have around 12-15k as a down payment and my moms credit should be at 700, would it be possible to get this 20k car with this big of a down payment, I plan on living at home with my parents for the next 5 years and I have a full ride for a 4-year school ,ps; I make 1600 a month  <response>: all my life Ive been a car guyYou are 17.You need cheap basic transportation for school. You nor your mother can afford a 20k car. 