Approved to buy an '03 Cobra

So after talking to my mom a little bit she is ok with me getting an 03 Cobra(I will need her to co-sign, I dont still live at home ). Insurance is only $30/month more then it is now on my 02 v6. The only catch is I have to get my explorer paid off I think I owe around $7K, But I figure I can get that paid off by June(my business cash starts rolling in around may) or if I can sell my car for HOPEFULLY $12K and pay it off that way, but then Im in a bind because my cobra payments will be a lot. The only other problem is I have very little experience driving a stick and Im thinking this wouldnt be the best car to learn on, so Im not sure what I would do there. Either way it looks like I will be able to get one by the end of the summer. I could wait for an 05 but this is way to temping. What would you guys do?

yeah i am almost positive thats what im going to do, i kinda would like a 94 probe gt for some reason