CarMax will finance just about anyone regardless of poor credit, I had very poor credit score like 600 or less and a car selling for $6900 with $70 down my payments came to $179.99. This was in July of 2015. And as most loans, no penalty for early pay off.
In fact any finance company would be foolish not to take a pay off from someone with bad credit just asking for trouble.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.