Screw that you're not going to drive anything but your chariot :P. just be easy on it for now and don't blow unnecessary cash on it!. Maybe get a long term loan (30 years) and secure it with something so you pay lower interest. I'm a finance major so I can give you some advice on how to lower your monthly payments.
I'm 21 and finishing uni in a month but I work semi full-time as well. I rate studying and working is the way to go, work 3 days a week and study 2.
Like everyone says, don't give up unless you have no choice... rock on!!!!
p.s. ill buy your wheels
Longest term any bank does on a personal loan is 7 years. which is what i've already got.
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