Re-financing question

[AShort]

@OfficerK

how long have you had it?

you MAY be able to find a loan for lets say an extra year…though very likely at a higher rate…it will drop your payments but overall you will end up spending more

i’ve had it for around half a year.

i really want to get cheaper payments but i dont know how its going to work out for me. school is more important than a nice car. ugh idk.