<prompt> Human: EDIT: Thanks for the advice so far. I left the dealershit for now, but car buying advice would be very appreciatedSorry for formatting, on phone. Sitting at a car dealership trying to get a car because my sister totalled her. I have 0 credit because the only thing on my report is student loans from when my father committed suicide and I dropped from school. Preparing to move out and go back to school but now I dont have a car. I owe nothing on my old vehicle, and they want 1k down and said payments are around 320 a month on a 2015 Nissan Versa with no power locks or windows. This is with my parents consigning and they said its literally my only option and no other lot will be able to do better. Do I just take it? Im working FT for 11.40 an hr and will soon be dropping to part time and getting 1k from the gov a month. Thanks for the help.Assistant: Do not let them talk to you in terms of payments. What is the total cost? What interest rate are they offering you? What is the blue book value of the car? Blue book of your trade in?Honestly, Id walk away just for the practice. Theyre not going to refuse your money tomorrow morning. If you feel like you have to take the deal, you are going to lose no matter what.Human: Total cost is 14.5. That seems high considering the vehicle being used...Assistant: Paying 14,500 for a used car while earning 11.50hour makes no sense. Go find something under 10k. Do your research beforehand and know exactly how much you will agree to pay. Walk out if you cant agree on an acceptable price. Dont talk about financing until the price is set.Do not let them pressure you into this deal. They dont care about you. they are just trying to take your money and they are very good at it and will make you feel like you should or have to followthrough. You absolutely do not.Human: The reason it seems sensible is my parents financed a car 2006 mustang gt 5.0 8 cyl with all possible add-ins and a 6k ground effect and rim set for 14.5 and my payments were 325 a month. I dont really understand why these are so much more expensive. I can very easily afford 300mo car payment.  <response>: As I said, you need to stop thinking about payments. They are meaningless with out knowing how many months youre going to need to make that payment for. 3 years? 7 years? Big difference.You say you can very easily afford a 300month car payment but that you are about to move out and go back to school. All sorts of things seem affordable when someone else is paying the bulk of your living costs. You are going to need to keep making that car payment for years, every month, no matter what. And youre going to have to start paying rent, utilities, internet access, cell phone, groceries, car repairs, eating out, drinking, entertainment, travel, clothing, haircuts, doctors visits, holiday gifts, oh, and gas and car insurance.That 300month is going to start to seem a lot less easy to afford, I promise. The less car you buy now, the more youll be able to spend on enjoying the rest of your life. 