<prompt> Human: Hey everyone. So I recently had to get a new vehicle. Due to the timingemergency nature of it, and my gap insurance coming out to exactly what my car was worth, I had nothing to put down. My parents werent going to help and my recent name change means that companies dont think I have credit. All in all, long story short I had to buy new. I love my car but the gas mileage and payment are nuking my finances. If the mileage was what it was said to be Id be fine, but 31 mpg isnt actually 38-42, and I do enough driving that it matters a lot. So. Would it be better to refinance through a credit union and try to get a better rate, or go to a used dealer with this car as my trade in, and get an older vehiclecheaper one with better mpg? Ive had my car for about three months. 2014 Toyota corolla, 327 a month. My maintenance package has been rolled into the loan, as is gap insurance.  <response>: To actually hit those MPG numbers, you have to want to hit those numbers. That means no going over 6065 on the highway. Coast into stop signsred lights. Use the brakes as little as possible. No more flooring it when the light hits green. Those numbers are reachable it just depends on how you drive. 