I hear you. Its a big all-encompassing black hole they've sucked us into. Watch for identity-theft and consider switching to a local credit union that has a good reputation. Check out https://solarireport.com if you want to get some great advice on this from Catherine Austin Fitts, the economist who exposed HUD for stealing trillions from taxpayers. She's amazing. I am sure a local credit union will be happy to refinance your car loan! Have a great Sunday, Chelsea!