The main thing I'm trying to do is lower my payments. I owe ~2500 on the car and have payments of 210 dollars a month. If I can refinance the 2500 over 6 years I'd free up some money to pay student loans. I hate the idea of doing it, but things are tight.
Zoo, call your student loans and see if they will take an interest only payment from you. That would be a decent thing to do instead of refinancing your car over 6 years.
