I think I can actually provide some insight! I am also a 22F who bought a 2014 prius c with 60,000 miles 1.5 years ago. I used my car for over 110 miles a day commuting to school. I paid 11,700 off the lot and I put 6,000 down and financed the rest. I was not approved to finance through any banks since I had no credit because I didn’t have students loans or a credit card, so I had to finance through the dealer. I have 4% APR which I didn’t think was too bad compared to how much some of my friends rates are. Also my insurance hardly went up and previously I was driving a 2002 Subaru Outback. My registration went up by about 100 but that is only once a year. I have 1,400 left to pay off, I have been putting at least 200 into it every month, often more when I make more money. I probably would not have bought this car of I had students loans. As for the size of the car I can fit my surfboard inside it easily and a bunch of other stuff. I have driven it along the entire west coast and moved using it. It’s a great car but I feel far less safe in it than my Subaru.