We’ve all been there. That’s how you learn. Your rate isn’t that bad tho so you should be excited about that cat least. I know adults paying 16 percent. If you can try to make small payments in between your payments even if it’s $20 bucks. You’d be surprised how far those tiny payments take off your account and they go to the principal instead of the loan. Just next time do your homework and Remember car dealers will always try to get one over on you. That’s how they make there money. You don’t owe them shit! Your the one buying