<prompt> Human: Car payment is killing me. Ready to be done with it and start actually saving my money. One option that got presented to me was to have my credit union refinance the remainder of my loan. Is this even worth it? Here are the details of my current rip-off loan: Remaining: 1,770 1,620 principle plus 150 interestNumber of months remaining: 7interest rate: 21Credit union tends to give loans around 2-3. Is this something to even consider pursuing? I went there to discuss today but they closed already. Would rather not look like a total moron while Im at it. Thanks in advance!  <response>: Just pay it off and be done with it, such little amounttime isnt worth refinancing in my opinion. 