<prompt> Human: I 19 bought a car with a credit score of 588 last December and my mom 37, credit score of 438 had to co-sign because my annual income was only about 10,000 before tax. My credit score is now about 630 and my annual income is closer to 18K with my new job. I added a picture of my account summary, to minimize the length of text. I just am nauseated today the thought of paying twice what the car is worth at 235 a month for 5 years. I dont really know what my options are as far as re-financing and the adults in my life namely my mother arent much help evident based on her credit score. account summaryUpdate: so Ive pretty much decided on going to the bank to see about refinancing, then paying for a few months and selling it. Thanks for all your help. The only other question I have is if any of this will require my mom since she co-signed on the car. Does refinancing take her off? Assistant: Here is a hard fact. That loan might be 5 years but it is really designed to be much shorter. You need to be making extra payments if you can. How much can you afford to pay each month? When you do make a payment you want to make sure you apply the extra payment to principal and not as a normal payment. If you can double up your payments 470Month you can pay it off much much quicker. Human: I can barely afford the 235 as it is. Im going back to school and have to drive 45 miles round trip to work and home and have to drive to school starting in August Assistant: Any chance you could take out a student loan to use to pay it off? Its not a great option but the student loan rate would be significantly better than your car loan.Human: I actually just did my FAFSA for school and was offered 5k for the year in loans and declined because I got Pell grants. :  <response>: Then go back and talk to financial aid. I am sure they can still get it for you, that is their job. 