$9k sounds about right, but she may not accept it. I think you should make sure you look at at least 10 Gen-1 Xterras to decide what options and packages you like/dislike. Personally, I'd be holding out for one with lower mileage (<50K) for around $11-12K. The extra money will be worth it when you will have it close to paid off by the time you hit 83k.

Good luck and post some picture when you buy!