<prompt> Human: I have 4 years left on a GMC Acadia that has 110k miles on it. Its my wifes car and my credit was not in a good place when we bought it. I have gotten my credit up about 100 points since then. Our rate is something like 8.Trade in value on car is about 11k, we owe 13k. Car is in very good condition.Are we better off trading it in and finding something with under 40k miles and rolling over the equity into the new loan or should we just refinance our current loan for a better rate?  <response>: Drive the car to the ground and keep making your payments. 