To each his own, but in my eyes this is a no-brainer. If you love someone above all else, you do whatever you possibly can to help them, no matter what. Were i in your shoes i would refinance his car in a heartbeat. That is, only if i knew that would mean he could and would pay it off, and not just squander the savings. Loving someone means wanting what's best for someone, not just what's easiest. But you seem to think he's learned his lesson on the debt thing. I can't see any reason not to help him get a better rate on the car....JMO
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