<prompt> Human: I bought a car with a service agreement that has come in really handy and saved me thousands two years ago. I owe 8800 and have 42 months left in the loan, which is 3 APR.Looking at Kelley Blue Book, trade in value is only 3K. If I were to sell it privately, it would be only about 4.5K. 2008 Scion xD with 99K miles on it.I think my options are as follows: Refinance for lower APR and a shorter term Continue to pay down the loan until the trade in sell value is at least even so that I could get rid of it Deal with it and pay it offAny advice would be greatly appreciated.Edit: Thanks for all the suggestions! I really appreciate it!!  <response>: Refinance for lower APR and a shorter termProbably will not be able to refinance when loan to value is 195. 3 is not a bad interest rate to begin with. 