Hello! I’m wanting to trade in my current car, 2023 Nissan Kicks, to get a cheaper monthly payment. I am struggling to pay it off and refinancing is unfortunately not an option for me. My credit isn’t good because I don’t have the money to pay it off. (Trying to find a new job right now). I current have paid off 46% of my loan, which is 15k. My original amount financed is 28k with an APR of 8.89%. I am 22, struggling to make ends meet, and my parents kind of screwed me over with this car. My monthly payments are $502 and my insurance is $165. I’m just…
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