<prompt> Human: My fiancée and I are looking to get a new Subaru Outback. She has a Nissan financed through Santander that shed be trading in as part of the deal. We have two kids and we really do need a bigger car for our family. I feel like this is very expensive however I dont really have any credit history and she has some collections, so Im not sure how much better we could do. This is also with a 3,500 down payment. Were looking for any advice that we can get at this point.  <response>: If you cant afford it, why not get a used one? 