<prompt> Human: A couple times before, Ive saved up the cash and bought cars off of Craigslist. This week I bit the bullet and went to a dealership for a much more reliable vehicle. When I signed for financing, the best rate I could get was 10.5. This seems outrageous. I want to know if this is normal given my credit history:My FICO score sits around 750. Ive had a credit card for almost 2 years, with all payments on time. Its balance has spiked almost to the 2000 limit once a couple months ago, but Ive taken care of it and its back under 100 as usual. Otherwise, I took out a total of 7500 in federal student loans for fall 2016 and spring 2017, but having just graduated Im still in the grace period for these and havent had any scheduled payments. Im renting an apartment, but would like to buy a house someday.I have so many questions. Is it normal to have this high of interest given my credit history? If not, what can I even do about it at this point? How soon can I refinance to a rate that seems sane? What about payment strategies? Is it wise to pay it off as soon as possible? I hear that paying the minimum each month will help my credit, but I would really like to not throw away money on interest-- especially since its the biggest interest rate Ive ever seen, on the biggest balance on my name.EDIT: got it. Definitely was the wrong move to not walk out when I saw that figure. Im contacting credit unions tomorrow. Id definitely like to know some good resources on haggling with car dealers; I didnt even see any opportunity to negotiate.  <response>: Dude!!! Whoever got you that loan got you all kinds, positions and did whatever they wanted with your precious little body. Refi, pay higher amounts or do something. You shouldnt get such high interest with such a good score... Be more informed in the future if you want to keep your score high 