<prompt> Human: I know next to nothing about this kind of stuff, so please, be gentle with me, but more importantly please try to dumb down your comments as if you were talking to a six year old or 16 maybe, whatever.My SO and I financed a suv about a year and a half ago. The payments are ridiculously high because a we have not so great credit, and b we had about 8500 from a previous vehicle loan added on to our current vehicle.Im currently on maternity leave and we have 2 small children, my boyfriend just got a pay cut and my e.i. runs out in 2 months.So what would be our options to try to lower our 360 bi weekly payments? Ive thought about refinancing but not exactly sure what that means or how to go about it. Also thought about paying a lump sum this summer but not sure if that would lower the payments or just cut a few payments off of the length of the loan. Please help! Thanks in advance!  <response>: We will need a bit more details:- What is your interest rate?- How much longer is the loan for?- What do you currently owe?- How much is the car worth?- Has either of your credit scores gained ground since a year and a half ago when you bought this? 