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Hey guys. Quick background. I am going to school for computer science, currently working at a call center making $11.50/hr. I work 20 hours, and 40 in between semesters. She works 40. We are planning to move in together, and we are trying to make the numbers work as much as possible. Her car payment is the biggest issue right now, and that is at $500/month.

It is a 2013 Hyundai Tucson with 55k miles. She owes $18k on it with 24% interest and its worth about 11k via KBB. She also has bad credit. I was wondering what options we have that I may not have thought of. The best plan I could think of is to have her sell it, use that money to pay down the loan, then try to refi the last 7k or so that way the monthly payment is low. If we have extra money we can put it towards that payment.

I myself have a paid off car and great credit, and overall low payments. I am not used to this situation and wonder what can be done. Thanks in advance.



Submitted March 04, 2018 at 11:49PM by Kybo10 http://ift.tt/2HZRn3P

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