I think there are some pieces of information missing from the original article. I just read it today, but something seems off here.
First off, the car that she traded in might have had money owed on it. Isn't it possible that she owed say $30k or more on this car and if the trade value was $8-$9k then she would have a "negative equity" of almost $20000.00. That discrepency amount would then be added to the list price and re-financed. This is a common practice among car dealerships and customers. In order to bring the payment down to a managable level, they extend the contract term to 84 or even 96 months. Again, hundreds of people do this everyday. Also, if she paid $4500.00 for a protection package then that will bring it up too. It's a little high, but most full packages go for $1200-$1500 for rust paint and fabric.
Bottom line is that there's more to this story. Consumer guides, newspapers and media are always ALWAYS trying to make car dealers into the bad guys. Math is math people, it isn't really disputable. I'm guessing that the dealer sold the car for full MSRP, which, for a demo doesn't really jive, but the customer sees the Bill of Sale BEFORE she signs it, how hard is it to do the math??
Now next will come all the moaning about evil car dealers etc...I'm okay with that, but if there is any other posters that are willing to listen to a logical explaination, I'd be happy to give a possible scenario.