Best advice is to find a couple of 20 something hotties and bring them home... You'll still be paying one way or another but the payoff is much better and everyone has a lot more fun.
It's not that hard to do, just don't be a cheese-ball "Vinnie" or a creepy ass stalker type. OH and get thee to the University if you're not there already. Just flocks of 20 somethings that are tired of the same old shit. Be the new flavor and have fun.
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A BMW is Just a Car, it doesn't make you smart, handsome, clever, better, cool, or wealthy.
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