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That all sounds correct. When you drive a new car off the lot you are going to suck up 5-10k on the spot! This is why in general it is not the best thing to do if you are going to try to sell it in the future. No one is going to pay you that much when they can go to the dealer and add a few grand and get a brand spanking new one. You are going to eat another 5 grand on trade....putting you at 35k. That is how the system works and I would say you are stuck
 
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