text:  So you owe 24 on the car. Have you looked up what it's worth? Yeah, the car is worth 18 the last time I checked on Kelly Blue Book. And who do you owe the money to? Who's the 24 with? It's Kia Finance Company. So it's a high interest rate? Yeah. What's your interest rate? I want to say it's high. I think it's 8% the last time I checked. Is this a local finance company?