<prompt> Human: So due to come local economic changes and the wife going back to school I am now broke as soon as I get paid.. soon it will get better Ill be saving 200 on child care but thats not till 2 months. I was thinking about refinancing my auto loan its about half paid off15k left 6.27 and pay 435mo I have never really had amazing credit and pretty sure its worse than what it was than when I got the car. Also maxed out on my credit cards but its only 4.5k still doesnt look good. Will I even be about to refinance? I just to lower the payments and extend the terms if thats even possible.  <response>: Just my opinion, but writing due to come sic local economic changes doesnt really make it seem to me like you want to be in control of your financial situation.Are you saying that prices around you have skyrocketed and your family is now spending more, or are you saying that you lost your job or are working significantly reduced hours?I think your bigger problem isnt the 6.27 interest on a car payment, I think your bigger problem is probably a lack of income.A lot of people post on this sub asking for advice on how to make more moneyget hoursfind work and get great advice. You might have more success asking the broader questions like that.Good luck with your financial situation. 