<prompt> Human: I have a 2012 car wih 122,000 miles. I got this car two years ago from drivetime. I owe about 11,4xx on my loan. My intrest rate 13 on the loan. I got a letter in the mail to make an appointment with a local dodge dealer to try and refinance. But I know they are hoping I trade in for one of theyre vehicles. My car KBB Value is around 3,000 trade in. Theres no way I can get my loan totally covered to have mo negitive equity right? They wont give me 11,000 haha. I dont wanna get 3,000 then have 8,000 in negative equity another car loan from them. 12,000-19,000. Even if they payments are cheaper. In the long run I pay more. Should i stick with my current car payment of 344.73 a month or try what they wanna do and get it in the 199.99 range?  <response>: Keep the car. Pay it off as aggressively as you can. Drive it as long as possible. 