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[quote=Anonymous]OP here. I am not in DC- is PenFed just for government employees and military though? I just got the specifics on my loan. I owe just under $11k, and the car is worth between $9.5k and $11k (depending on if you go through a seller or sell privately -- kelly blue book). Will I not get refinancing if I am "under water"?[/quote]
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