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I have it since 05/ 07 with a 9% payments of $240. i do 250 to 300, never miss one. now it has 103k own $8500 its worth $1800 to $ 2300, i went to trade in for a brand new but they want $3000 more minimum, its better if a refinance o if a try to get a personal loan, o should i just keep it.