Ok, maybe you just have a really nice job? Because even with a $5k downpayment, and a 6 year loan, you're spending over $350 a month, plus over $200 a month for manditory insurance, plus gas, and maintenance. That's easily going to be about $700 a month!
I'm 20 and I work full time, and there is still no way I could afford that and not live with my parents. So unless your shackin up with your parents until your twenty five, or gettting some kind of "secondary income" there's no way I can see you, alone paying for this thing.
-My 92 CX cost me $75 a month