<prompt> Human: Back in early 2012 the car I was driving, a 2007 Ford Fusion, lost its transmission. I had it fixed 3 times by Ford, and it kept failing.Finally, I gave up on putting more money in, and in November 2012 settled on getting a used 08 Focus Ford took my junker as trade because of the hassle, which I thought would be a stop-gap solution until I had better credit. The total amount financed 48 months was 11,000, at 15.5. My monthly payment is 249.50.Here I am 3 years later, great credit, decent income, and I went to view my payoff amount, in hopes I could replace the car soon. It was vandalized twice, it dies while idling, and I am sick of dealing with transportation issues. The payoff amount seems enormous, 4,950 is left -- even though there are only 11 months left on the loan. I have never missed a payment and I have always paid on time.I called the bank Chase Auto Loans to try and figure out why, and they proceeded to tell me not only are the numbers correct, but that they cannot refinance the balance at a lower interest rate unless my balance is greater than 7500.I need to get out of this car, but I certainly dont make enough income to throw 5,000 into a car I want out of, only to end up with another car payment probably higher. What can I do in my situation to end up with a more reliable vehicle without paying off my entire loan balance? Why is my loan balance so high with 11 months remaining?  <response>: You do not have a 48 month loan. Simply stated, you have a 66 month loan. At 11K and 15.5 interest, the payment is 249, which is precisely what you are paying.Total number of payments to come down to 4950 is 43. Considering you started this loan in Nov 2012, you should have made 37 payments including this month. Unless you made extra payments, you would actually be owing 5984 at this point on this loan.Check the terms of your loan and check your payment history. 