Sure, 18 months is kinda overseeable. But still very risky. One unexpected financial mishap and you’re rolling into the neverending pitfall of debt. I have not the slightest clue about average car prices in the US, so i can’t really put that $15k into perspective.

Insurance (i assume you meant coverage of potential unability to pay back?) is nice, but also rises the cost noticably :)

Of course, not judging you or anything. In my world, everyone would have car of their choice (within some reason) for free, given by the government (that kinda forces you to work and commute to where you do that).