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Reply to "How to get out of debt!"
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[quote=Anonymous][quote]6. Car loan is going to be paid in 4 more years but I am refinancing the auto loan for 6-7 more years and that should reduce the payment by $200/mo and I could use that to pay off the credit cards. [/quote] Best of luck to you OP, you sound like you're on the right path to getting out of this. I wish you the best. But I'm not sure refinancing your car loan is a good idea. You're extending your loan period on a depreciating asset so you can lower the monthly payment? What if you end up underwater on your loan? Might want to rethink this one.[/quote]
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