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The worst financial decision you can make is to refinance the car - that's a downright terrible idea. It means you can't afford what you got, and you're going to pay way more in interest than you ever should on something that is not tax deductible and only depreciates - huge waste of money.
If you can't afford it, then sell it. No biggie.
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11.51@117.72 - PMI
11.62@116.60 - Bandi
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