beleive me, think about it…u will by paying longer. refi is out their to help u month to month, not long run. its a bank/credit union. out to make money not help you save. the more u “save” the u in the long run spend and they make. ur dumb for not selling truck. i can say that and not feel bad telling you that. mayb in 4 yrs wen ur in ur bedroom at moms ull see that