Well your son is going to grow up real fast especially working two jobs for the next 4 years...
Three days to reverse in Florida.
Research FL Statues about Usury.
Drive to the stealer and have a chat with him/her. At the least you will put him/her on notice of the sentiment you will be disseminating throughout his/her stealership territory.
Now to answer your question about how common this situation is?
two and one-half words for ya:
Sub-Prime Mortgages
