buy a crap car while ur on ur p's, put some money in the bank, then have a smaller loan or buy the car outright.... thats not just stupid advice so u stop asking questions, thats coming from someone having an 18 grand loan and knowing that if id had a year or more to save it could have been a 14 grand loan or less....
Dont bother converting turbo to non turbo, it will either cost lots or go like a bag of $hit.