get the honda civic SI 0-60 6.7 sec
and with 60,000 - 100,000 miles on it, you can still sell it for what you owe, or $10K
The Si was redesigned for the 2006 model year along with all other Civic trims, bringing about significant changes since the previous generation. The new car comes with a 2.0 liter i-VTEC engine that produces 197 hp (147 kW) and 139 ft·lbf (188 N·m) of torque, while also including a 6-speed manual transmission (an automatic option is unavailable) with a helical limited slip differential. Spring and dampening rates 40% stiffer than non-Si trims and stiffer sway bars have bolstered the Civic Si's handling, with the car achieving 0.90 g of lateral acceleration on the skidpad. It is also the quickest Civic Si off the line, with a factory 0-60 time of 6.7 seconds according to Honda, but with some tests posting times as quick as 6.3 seconds.[9]