<prompt> Human: A little information. My girlfriend is about to finance a new 2016 Honda Civic for 23,166. A 5,000 down payment loan from her parents and a .9 interest rate means she will pay 320 month for 60 months and 120 for insurance. She is starting as a nurse who would make roughly 50,000 this year and she has no money in the bank. Help me try and talk to her about this risky move!  <response>: This isnt really that risky of a move. Low priced, safe, reliable car that will easily last 200,000 miles or more. Very low interest rate. Down payment from parents will make her have positive equity from the get go. She has the income to support this payment assuming she has an actual job and is not just hoping to find a job.The issue in this scenario would be if she bought the car and then traded it in two years later. If this is something she will keep for longer than 5 years, I dont really see the issue. 