I still am not sure that she thinks she got a bad deal. She likes the car she drives and is happy.
I am definitely in favour of financial literacy course being mandatory.
Maybe a law that says before you pay interest of more than 10% on a term longer than a year you have to take a financial literacy course. Although I am not sure how much the course would help if you are willing to pay 30% interest on a 5 year loan. Would understanding the term and consequences really change her mind once the dealer showed her the car she could have.
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