Hey everyone thanks for the advice. We hashed it out and she realized that it wasn't really the best financial step to take right now and our daughter is going to just use the 4 Runner to drive to and from school and keep here Tercel and drive it everywhere else.
BTW Val I almost took that route and I that was goign to be my next step if rationality had not worked when it did.
BTW in the end it was totally worked out and realized that the whole thing was just a worrying momma that wants her "baby" to get to school and home safely. I personally think that MOM's worry way more that anyone else on the planet and I really feel for them, I mean I worry about my kids too but no where near as much as the wife does