Just to add my 2 cents to what j_casteel said I am around the same age as the OP (don't know if that really matters but wanted it to be known that the OP isn't alone lol) and I make $1800 before taxes and about 85% of my monthly pay goes towards my car (car payment: $485, insurance: $465, and monthly gas: $240). That's with everything in my name also. No cosigner. Idk what rates you'll receive but if your doing it on your own like I am I suggest you really think about what your getting yourself into. Speaking from experience. I was originally supposed to buy a car $10,000 less than what I spent on a car (financed $26k at 9.95%) to have payments in the early $300s to $200s. And then add in gas, maintenance, insurance, etc. For some ppl it can be a struggle. But I've been maintaining for about 8 months now (lookn to refinance soon !). But if I could do it all over again I'd buy a car closer to $15k like I originally planned on doing. Depending on what type of cars your into you can find a pretty nice used car for around $15k. You'll be building your credit and doing it at a cheap rate even if you had a high interest rate you'd still have a decent payment. So my point is think about it before you get yourself into something you may regret down the road and shop around for diff cars as much as you can before you make your decision set in stone. (autotrader.com, cars.com, cargurus.com, groovecars.com (your CU may even have a $300 off coupon, make sure to check it out) and the manufacturing dealer website are some good sites to shop before making your decision). Just don't rush it. Goodluck with your decision and w.e car you choose ! 
