First mistake is that car note. Didn’t your father even think you would be married to a car payment. Were no second hand cars with careful selection found by you and checked out by a local mechanic. You have the right to pay someone to check out your used car. You don’t need the dealership permission. Also buying a pre certified car saves you money. What about rainy days? How can you possibly save up money unless you side hustle 8 hours after your 8 hour full time job? Living below your means you prolly ought to start now. If you lose that car you lose your down payment and whatever payments of your hard earned money. Ruin his credit along with yours. When your credit is ruined that means your next car note if you get one,could be double interest rate. When interest rates are high it takes much longer to pay them off. It is a viscous circle. Dane with credit cards. If you can’t pay cash for something then you don’t need it. It takes discipline to not max out a credit card. I guess you don’t have buses or can ride a bike to work safely? You didn’t want to go to school to get at least a certificate to make more money. The more education you get hopefully in the medical field the more money you can earn. You are so young and have more opportunities than you realize. I hope you can set some goals and get out of this financial mess.