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I would not finance a car at 12-15% ever, that's allot of interest on a 20K car. I''m also not sure how a used cruze 1LT with 10K miles has a window sticker as high as a new car.

With that bad of credit if you really need a car I would look for something cheaper so if you have to pay that high of rate your not giving them so much of your money. Besides being in college do you really want a new car payment? Can't you get around in a beater car and walk/bike like most students do?
 
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