[shattered.stars]

I can't afford $300/month anymore. With this deal, I will be saving $200 a month + better MPG.

What if I can get them down to $75/month?

If you trade in your car you have $100/month payments for 3 years then you have absolutely nothing. Your next purchase or lease in 3 years will be full priced and generally require at least $1000 cash to get started.

I wouldn't do it. Sell your current car and get a 7k car and have no monthly payments. You could probably get a Spectra that is 2 years old for 7k and that thing will last at least 5 more years with minimal maintenance.

Sorry but it just doesn't sound like you can afford a brand new car.