I'm pretty much new to buying cars, I currently own a 2005 camry LE, I am currently financing it (dont forget I am still a (20 yrs old) college student). So far I've already paid off 5k with 13k left over. Because I commute alot, I was thinking of trading in this car for the camry hybrid. I know the price of the camry is a bit high, but I thought I would treat myself to this car because I am almost done with my RN program which means I am able to pay for it.

Actual Question: If I trade in my car....

. can I goto any dealer to trade in the car and try for the TCH?
. will I still get the tax cut?
. will it be hard to negociate for a good price for the TCH?
. what will happen to the money that I have yet to pay for the original car that I am trading in? How does trading in a car that hasn't been fully paid for, for another car, work?
. is this even possible?

Thanks, Sorry for such bad questions but I just need to know.

Bun