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I went through this last year. i had a jeep tow pig and mustang that i owed on. i ended up selling the mustang and now daily my tow pig. It sucks because its a pig. It runs good but its a 1995 Dodge that needs a lot of love. My .02 sell the car you owe on buy something cheap to drive that you can pay cash on. you may not have the fanciest car or anything but at 21 and buying your own house thats something else.