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I bought a car 2 years ago soon after college. My credit at that point wasn't that great (I had most of my cards maxed out at that point), it was close but I got the loan. The interest rate was pretty bad for a car loan ~12%. I now have pretty good credit although Im not happy dancing yet:
8K left on CC (finally 10% interest down from 14% and 16%)
10k on car (12% interest)
20K in school loans (6-8% interest).

It seems silly to me that my CC debt is a lower interest than my car loan. And to be strictly Foolish I would pay down the car first since it has a higher interest rate. However like most people (with reason!) Im pretty anti-CC and prefer to get rid of it first.

I've heard of people refinancing houses when the interest rates drop. I've also called CC companies to get them to lower the interest rates and its worked in many cases.

So my question is (yup its in here somewhere):
Can I refinance my car loan? If so, how do I go about it?

My loan is with Ford Credit (but the car is a Jeep Wrangler). I have a little less than 3 years left on the loan (5 year plan) but I planned on paying more than the minimum after the CC is gone.

(Well that was longer than it needed to be.. sorry)
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