<prompt> Human: I currently have a 2015 Ford F-150 FX4 that KBB at around 28,500-31,600. I still owe around 11,000.I feel like im loosing equity on the truck and the longer i wait it will depreciate quickly. Would this be a wise decision or should i just pay it off?Thanks in advance  <response>: And you want to replace it with a new truck thats going to lose even more value? 