Your not the only young one. I'm 18 and got the 05 when I was 16. Long story short got off the school bus and parents said here's your truck you owe us this much $$$. Well went to work 10 hours a day during summer and about 5 hours when I went back to school. Got my difference paid of in a year then the mods came. The only mods I had when I was on the payback program was window tint and Sirius satellite radio. I pay everything except fuel. I love the company I work for.