Do you really still want to be paying for it in 2011? That’s a pretty big payment to live with for 5 years. If I were you I’d spend half that and pay it off in 2.5 years. You can still get a nice SUV or truck for $14k.
http://www.autotrader.com/fyc/vdp.jsp?car_id=210882184&dealer_id=56785120&car_year=2002&model=&num_records=&make2=&start_year=1981&keywordsrep=&keywordsfyc=&engine=&certified=&body_code=16&fuel=&search_type=both&distance=100&make=NISSAN&color=&min_price=&body_style=SUV&drive=&default_sort=priceDESC&max_mileage=&style_flag=2&sort_type=priceDESC&address=14150&advanced=&end_year=2007&doors=&transmission=&max_price=15000&cardist=73
http://www.autotrader.com/fyc/vdp.jsp?car_id=212786455&dealer_id=497712&car_year=2003&model=&num_records=&make2=&start_year=1981&keywordsrep=&keywordsfyc=&engine=&certified=&body_code=16&fuel=&search_type=both&distance=100&make=NISSAN&color=&min_price=&body_style=SUV&drive=&default_sort=priceDESC&max_mileage=&style_flag=2&sort_type=priceDESC&address=14150&advanced=&end_year=2007&doors=&transmission=&max_price=15000&cardist=73
http://www.autotrader.com/fyc/vdp.jsp?car_id=213235595&dealer_id=5014404&car_year=2000&search_type=both&num_records=&keywordsfyc=&make=TOYOTA&transmission=&model=&distance=100&make2=&address=14150&default_sort=priceDESC&advanced=&certified=&max_mileage=&max_price=15000&sort_type=priceDESC&min_price=&body_code=0&end_year=2007&keywordsrep=&color=&start_year=1981&color3=&drive=&color2=&engine=&body_style=SUV&fuel=&doors=&style_flag=2&cardist=13
http://www.autotrader.com/fyc/vdp.jsp?car_id=211857734&dealer_id=1703948&car_year=2004&model=&num_records=&make2=&start_year=1981&keywordsrep=&keywordsfyc=&engine=&certified=&body_code=0&fuel=&search_type=both&distance=100&color3=&color2=&make=FORD&color=&min_price=&body_style=SUV&drive=&default_sort=priceDESC&max_mileage=&style_flag=2&sort_type=mileageASC&address=14150&advanced=&end_year=2007&doors=&transmission=&max_price=15000&cardist=34
http://www.autotrader.com/fyc/vdp.jsp?car_id=213286784&dealer_id=57996639&car_year=2005&search_type=both&num_records=&keywordsfyc=&make=CHEV&transmission=&model=&distance=100&make2=&address=14150&default_sort=priceDESC&advanced=y&certified=&max_mileage=&max_price=15000&sort_type=mileageASC&min_price=&body_code=0&end_year=2007&keywordsrep=&color=&start_year=1981&color3=&drive=&color2=&engine=&body_style=SUV&fuel=&doors=&style_flag=2&cardist=30