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“Consumers looking at these programs need to evaluate what they might be giving up,” Chromy said.

“It’s a really big deal, because when you’re using tax-exempt bond financing you can usually get a lower interest rate,” said Debra Chromy, president of the Education Finance Council, which represents nonprofit and state student loan agencies.

Despite those chromy come-ons for used cars, trouble often lurks under the hood.

Motorists found plenty of reasons not to buy, and some complained that 1958's creations were too long, too low, too chromy, too powerful, too high-priced.

Among the low-priced three, the fancy Chevrolet Impala and Ford Fairlane 500 outsell less chromy models by three to one.