<prompt> Human: My cars highest balance is 23k Ive put a good 4k to my car and it hasnt moved whatsoever on any of my credit reports. I have experian credit monitoring and creditkarma. CK states Ive paid off -1 of my original amount. My auto loan is with Santander.EDIT: Updated the number. Bad mathEDIT 2: Ill look for those documents when Im off work for the interest and loan term, since I completed forgot.Assistant: Heres what you should provide for the community to help...Amount borrowed: Length of loan in months: Interest Rate: Human: 23k, 71 months, 20I totally see where Ive been fucked after looking more closely at the agreements. 71 months and the fact that is says my total payments will be 40k by the time the term is over. The entire time I was at the dealer, I was being told, You dont even have to worry about it because you can refinance your car in 6 months-1 year. You should just see this as a way of building your credit.Stupid, young me, right?  <response>: The reality is that theres a first time for everyone with stuff like this, and most people have no idea what theyre doing the first time. Personal finance isnt taught well by most parents, and definitely not by most schools. Dont feel too bad.See what you can do to refinance this ASAP through a different bank or credit union. You may need to wait a bit to generate some more credit history - but it wont cost you anything to walk in and find out. I just punched your loan into my amortization calculator. If you make no extra payments, you will have spent almost 17k in interest alone by the time this loan is fulfilled, assuming the loan follows the same structure as my spreadsheet.You will want to check on whether there are penalties to paying the loan early. Subprime lenders sometimes do this. 