This loan im in now is a 60 month loan. 6% interest rate. I see a 19000 fully loaded gt 2012 a city away. Oh by the way thanks for the advice. Im old enough and mature enough to understand the help in your statement lol.
I would definitely refinance. I went through Ford Credit for 3 months at 7% in order to get $2000 (I think that was the discount anyway) knocked off the price, then switched to a credit union at 1.5%.