<prompt> Human: Hey guys!Im a 21 year old fulltime student and fulltime worker. Life has been really hard recently, and Ive made a couple of bad financial decisions. I currently live at home, and I bought new a car last year, hoping to have it paid off before I was finished with school in a few years. Ive been making some large payments at least double the monthly payments. However, its becoming apparent that I will need to move out soon. I posted about this a while ago, hereI was checking my credit score, and its gone up thanks to the timely payments and credit card Ive been using.Alright, so heres the deal: I can survive with my current expenses, but I took on the loan at a crazy high APR, 13.71. Now that my score is a little better, CreditKarma suggested a refinance. Take a look at this pictureSo is this worth going for right now? I anticipate moving out sometime during the summer of this year. Lowering my monthly payment and also helps me to make financing more manageable. I know, I shouldnt be focusing on the monthly rate but rather on the overall rate. My focus right now is just to survive on my own. I would feel comfortable still making 300 payments, but with the knowledge that I could drop down if I had to.Or, should I wait until my score gets to a point that I could get a better offer? What other lenders should I be looking at?Honestly, I commute a lot, so I need a reliable car. I know most of you will recommend that I sell it, and I see the value in that. I would just like to know the best way to pay off this car.Thanks.  <response>: The loan you are looking at is a 7 year loan. These types of loans are for people who are buyingrefinancing things they cant afford.I would just like to know the best way to pay off this car.I know this isnt what you want to hear, but sell it. You cant afford it. 