<prompt> Human: Okay. So my mom just bought a used 2017 vehicle for 25000 before taxes, with 11.72 ish interest. Payments are 285 biweekly.After bills and whatnot, she will have roughly 600 left over per month for groceries, gas and spending money. She has the money to pay it out, which would come to 32000 according to the dealership money is from life insurance, my dad passed away last year.Shes wondering if she should do this or just stick to the payments. The dealership is also suggesting she stick with it for at least 3 months to help her credit her credit is poor, and then pay it out. I have no experience in financing cars, and would like advice for her. Thanks!Edit: Thanks everyone. My mom was more than a little miffed at the dealership and at herself for all of this. Shes meeting them tonight after work to discuss paying it out much closer to cost 27k, I think this covers taxes and is taking her brother with her to make sure she doesnt just agree blindly to things.To those telling her to return the car, shes thinking about it.Thank you everyone for the advice.Second edit: all these numbers are in Canadian dollars, btw.Third edit: now the dealership is saying they put in etching in case the vehicle is stolen which she didnt ask for, nor was it offered, and rust protection which is covered by Ford for 5 years anyway, that they cant remove from the price or vehicle. What is this, now? To me it seems like theyre just finding bullshit fees to add onto the price for her to pay out now.Final edit: my mom wants to thank everyone for their advice and comments. Shes a little tired from arguing on the phone all day, but shes settled on paying it out at just over 27k and has learned a lot from this experience.We have looked at a possible grace period for returning the vehicle and from what I can tell in our province Alberta this doesnt exist. Once you sign the contract thats your soul right there, I guess. Unfortunate.  <response>: Pay it off as quickly as possible. That interest rate will kill her. 