Others have given good advice, so I'm not going to add on topics they've already covered, but 1 item I would add is:See if the new employer you're working for belongs to a credit union employees can join and if so, see if they would refinance the car loan at a lower rate.Also, if you don't want to completely cut off the allowance you're giving the daughter, I think you should discuss with her dropping it by at least 50%. Unless there's a strong reason why she can't pick up some p/t work, she should certainly be able to make-up at $150/month reduction in allowance.
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