But if he finances for 6-7 years who knows where he will be living/working
then?  He may want to get married, change jobs, get his own place or even
buy a house, etc.  It's just that it's a big decision and I've seen sooooo
many young people have a major struggle with finances because the new
vehicle was so tempting at the time--- and then they are buried in it for at
least 4 years until the loan is paid down enough to bail out of the payments
by selling the vehicle or trading it in on something less expensive.
There's a reason he's having so much trouble getting financed- the repo rate
is so high with young folks.  I still wish him luck- it's exciting to get
your first brand new truck!  I drive a full-sized Chevy 4X4 pick-up and love
it!   But I bought a gently used 06 model last Sept. for $17+K less than a
brand new truck would have cost for the same thing!

Leslie