Hmmm doesnt really make sense why youve borrowed 20k when you didnt even need to spend any money other than what you already had to buy your 32...
If you had an S2 R33, you should have been able to sell that and buy the 32 with some cash left over.
If youve borrowed money to spend on modifications, thats pretty stupid dude...
You need to set yourself a budget, FORGET doing ANYTHING to your car for quite a while, except for the absolute essentials. Oil changes, petrol, fixing something if it breaks - thats it.
Focus on paying off your debt before spending any more money unneccessarily, its that simple.