AITA for not wanting to take over my mothers debt on a car she bought for me?

My mother bought me a 2014 Volkswagen Golf GTI, right before I moved out. Due to some complications with her, I couldn’t tell her I was going to leave at the age of 18. So because of that, I’ve told her to not buy me a car because I have a 1979 gmc truck I’m working on getting running. So when I left, she was understandably upset. She has tried to get me to move back in and take over the payments while it’s still in her name, pay for full coverage insurance, and pay rent on top of all that. Mind you I would have been working somewhere like McDonald’s or something due to me not having any work experience whatsoever while also finishing up high school. I told her no and she left it alone for a couple months. After I graduated, she has been on me to take the car and put it into my name and take over the debt that I just learned is a little over 23 thousand dollars. The payments alone would be over $400 a month, And that’s not including insurance. I now have a 2003 Kia spectra I bought for $1200, and it’s been a great little car. She criticizes me constantly over the car by calling it a piece of junk etc, and tries to guilt me into buying the Volkswagen from her. She can’t sell Or trade the car at a dealership because she owes too much on it, so she tries making it seem like it’s my fault she’s having to pay for it. Am I the jerk here?