ok guys went to the dealership today. they offered me 13000 for my truck and i talked them into $25500 for the ctd. i was looking at $27500 plus TT&L in total it worked out to aprox. $29k (a little less than that) and it was still more than i was going to be able to get financed. it took 4 hours to get that deal and i had to be to work in 2 hours, so i walked away from it. even if i had a co-signer iwas looking at $500 a month and being in the mil the $400 i pay now is hard, but i was willing to do about $425 if they could get there. im sure if i had the time i might have been able to get there but i dont and the sale they were having is over now. ooh well ill just have to wait a few more months. hopefully in march i can reenlist and get a bonus to buy a new one. there should still be enough 05's arround to get a really good deal on one. thanks for your info guys. this is what i was able to come up w/ so hope it helps anyone looking into a ctd and gives them an idea of what they are looking at.