I think it's awful that you have come away
with such negative feelings, and for that I apologize for whoever treated you or others that way.
Such negative feelings often get worse when the lenders reveal what you would actually qualify for — financing for a less desirable vehicle, and terms that offer less flexibility.
Psychologically, a tried and tested way to
overcome such negative feelings is to acknowledge them accurately and sympathetically and then to remove the obstacles to a resolution.
After all, Eliot Spitzer went to Horace Mann and I have
no such negative feelings about that place.
However,
such negative feelings may discourage further exercise.