I'm not sure education has much bearing on it (I started down this path myself, although it wasn't quite this crazy, and I have a degree, not to mention the fact that I had done it before and let it run, so I knew/know it's a bad deal, yet I still let myself get carried away in my material desire), it's a case of letting your heart rule your head. Then in this case ignoring a lot of sound advice for some reason that is frankly beyond my understanding at this point, I guess it's just a case of not wanting to admit a mistake, a bad one.
You really need to step back and take a long hard look at this whole situation James, hundreds of people can't all be wrong and you alone right, think realistically. Please, for your own good. I will not try and persuade you further, I've said my piece, I have experience with over priced finance myself, even on considerably better cars than a Clio, it's rarely worth it if you think it through and look at what you can get if you purchase a little more carefully. Sometimes finance can be right and isn’t a terrible path to take, but this is not one of those times, and this is not the right car to do it with either.