Interest is eligible to be capitalized as part of an asset's cost, rather than being expensed immediately, when:

The Asset is a Qualifying Asset.

Explanation:

Qualifying Assets take substantial period of time to get ready for its intended use and purpose and that will require capitalizing interest costs or borrowing cost to the asset.

answer; a large down payment,a longer term loan, would result in a lower monthly payment;

i would ask my boss to do more things around the car shop. and i would slowly work my way up to working on cars and becoming a full time mechanic.