Comment by rhizome

Wow, this comes as great news for me. I felt terrible for years because I was paying 600/mo for a (special) car, that I paid off in exactly 5 years. I had a perfect storm of circumstances occur just as I was getting the loan, the banks no longer liked the risk, so it was financed by, like, the dealer's used car buddy a few cities over, and for a not-awesome rate. Long story short, all's well that ends well, still have the car, and I'm not as far off from the "average worst" as I thought.