I'm looking to buy a brand new or like new Honda civic about 2007-2009, it should cost around $16k...I now have $8000 ready for down payment plus about $2000 or less trade in value. I wanted to buy a new civic about $16k. Should i take a loan and buy it? I work part time and make $500 a month. My parents pay for my insurance and gas money...is it healthy for me to take a loan to buy it?