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I'm casting my vota for the Honda. After considering the interest that will be payed on the Cruz I think you're looking at saving more than 7k. I respect a 20 year old car in great shape more than most new cars. You should also factor in investment opportunity lost by keeping the money tied up in the Cruz. That money could be grown in appreciating asset and be doubled in 5 years if things went well. My 2 cents. Good Luck!
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