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Hey,
Maybe you should reconsider your situation....you say you have been saving again and are about half way to your goal...that is $15K if your goal is $30K.....now add to that the Obama "clunker/junker" credit. I don't know what your existing car is but hopefully you'll qualify for some money.
Then add to that what your parents were already going to chip in now.....you ought to be upwards of $20K for a down payment. A new 1SS is $30K....you are now only financing $10-12K.....that is a very manageable payment at the rates being offered now by PenFed (3.99%) or any number.
You deserve the 1SS (or get the 1LT, it's a GREAT car) especially after the selfless act of kindness you did for her. You're a good person, don't ever forget that.
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