You can get a neon for around 11 - 13. With a decent loan at say 6% or so "purchased" not "leased" the payments should be around 550 or so after rolling in 20k! (ouch)

Perhaps you should look into getting a used car. Maybe a home equity loan and just pay off that debit. Either way you look at it, you are going to have to pay the money you rolled over.