[acatlover13]

I agree with the majority of posts on the thread. DONT let her "pay it off" over time. It will never happen. If she can't get a loan to cover that amount, let her parents get a loan. If they can't get a loan either, then report the car as stolen or driven without permission, or whatever it takes to get it repaired/replaced by the insurance company. This should show that you tried to work with them to keep her out of legal trouble, but if she can't meet your terms, you have no other choice.