SoCalTim
Member
You will lose money offloading the 2018, and the difference moving down to the 2016 is negligible.
If re-financing at a lower rate is not available to you, then either sit tight and swallow the payments or offload the car and get a beater off Craigslist until your credit is in a stronger position.
If re-financing at a lower rate is not available to you, then either sit tight and swallow the payments or offload the car and get a beater off Craigslist until your credit is in a stronger position.
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