<prompt> Human: I bought a brand new car in November and owe 31,000 over 6 years with a 11.75 interest rateI know. I have a really good job at the moment, but for reasons im not going to list. i plan to walk away in two months. I get paid a lot to do what i do and i plan on putting 6,000-7,000 down on the car and refinance down to an interest rate lower than 5lower than 3 would be really nice. can i expect to get that low of an interest rate with only having the loan for 4 months?when i quit i will have to go back home and find the same job with a 50 cut in annual pay. so i was thinking of just buying a car for less than 10,000 and walk away debt free, but this new car is boosting the shit out of my credit score. but i would have to drive the new car a thousand miles back home, but i wouldnt want it to lose too much value where i was upside down on it.i put 5,000 downi dont know what to do.  <response>: If you could only get a 12 rate 2 months ago, why would you qualify for 3 2 months from now?It sounds like the best course of action is to sell the car before you move, hoping that the large downpayment means youre not upside down. 