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Save up a lot. This market is going to blow for a while. I am young, too, and I know that our age will limit our credit. Financing the whole thing is simply not an option, and you probably should consider the additional expenses of ownership. You have to pay high insurance, gas prices, and living expenses that will overwhelm your budget. Trust me when I say that you'll want to save carefully. I will be eating 2 microwavable soups for lunch until I have enough for my wedding and my car. Even if you can afford the rates you are given now, you should be prepared for the market to get substantially worse. Be careful.
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