<prompt> Human: Let me explain.Pertinent info:FICO Credit Score Today: 631Principal Balance Left on Auto Loan: 5,686.26Interest Rate on Auto Loan: 8.990What the car is worth according to KBB Private Part Value: 4642 average 3197-6086So heres the story. Both mine and my ex-husbands names are on the car. I called the bank where I am currently financed and they said there are only two ways to get my ex-husbands name off the care: 1 refinance and 2 pay off the auto loan and then do it. Obviously, I would prefer to avoid 2. As it stands, I dont think any company would refinance this loan. The only thing I can think to do is try and refinance with my current financier for a higher interest rate since my credit score is significantly down the car is worth less than the loan.Has anyone tried this before? Does anyone have any advice? This car is the last thing tying me to my ex-husband and I desperately want his name off of it. How would I even approach asking the bank to do this?  <response>: Could be worth it from a psychological standpoint even if it doesnt make sense from a personal finance standpoint - especially if youre comfortable financially and the extra bit in interest wont make you struggle. Also particularly true if youre attacking it aggressively making the interest less relevant. 