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sethnintendo said:

I went to local credit union and got a bellow 5 percent interest rate (recently borrowed 2k more on car (to get ahead of bills) and reduced interest to below 4 percent interest).


What kind of car do you drive where you can get 2K more money for it?

Just asking, because you can buy a car outright for 2K, so you could have sold the car for at least 2K more then you owe, bought a 2K car, and not had a car payment (if you have one).