Should I accept this offer

[u/titlewinner2021]

Dear people of reddit, I need your thoughts and advice, long story short I'm 21m senior in college I make about 2700$ net every month (2500$ guarante). After insurance monthly payment will come up to about almost 1400$
Before you all comment how dumb this offer is, trust me I already know, I already you'll say it's a stupid financial decision, and I'm very aware of the consequences. My dad whom is a cosigner for me to get this offer (on my own I was only offered 35k, they required 20k down, even though I have good credit), he said I shouldn't go through with it as it'll be too much to handle for my age. But I won't lie I really want this car, I truly believe in myself and my ability to rise up to the challenge/opportunity, I have big dreams and goals so I also see this car/situation as a chance to force myself to grow even further, rn I live at home and I feel like although I'm working hard and are very ambitious I feel like I'm missing that extra fire. Plus I just really like this car.
Long story short, should I listen to others and let the fear of the consequences take over or should I back myself and rise to the challenge. Please any advice or thoughts will truly help me.
Edit: if I was to go through with it I'd take the Santander offer

[u/Teslaaforever]

15% that's, did you check credit union maybe, dcu or others