BUYING A CAR HAS GOTTEN VERY EXPENSIVE WITH STUDIES SHOWING NEARLY 1 IN 5 CAR BUYERS WHO TAKE A LOAN END UP WITH PAYMENTS OVER $1,000 A MONTH. A LOT OF MONEY, AND IT’S A DOUBLE WHAMMY. PRICES HAVE RISEN, BUT SO HAVE AUTO LOAN RATES. SO NOW THAT THE FED IS CUTTING RATES, WILL CAR LOANS ALSO START FALLING? WELL, EXPERTS SAY DON’T EXPECT A BIG CHANGE IN RATES ANYTIME SOON. BUT THERE COULD BE SOME SMALL DROPS OVER THE NEXT YEAR. THAT’S BECAUSE OF THE FED’S RATE CUTS. BUT YOU SEE CAR LOAN INTEREST RATES ARE BASED ON MORE THAN JUST THAT, ACCORDING TO CREDIT SITES, WHICH IS OWNED BY OUR PARENT COMPANY, HEARST. EVEN IF THE FED CONTINUES TO CUT RATES, THAT’S JUST KIND OF ONE FACTOR. IT DOES HELP EASE UP LENDING CONDITIONS. THERE’S USUALLY A LITTLE BIT MORE APPETITE TO LEND, BUT ON THE OTHER …