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The negative against taking out a loan on your car to pay off credit card debt is that you are trading unsecured debt for secured debt.
You goal should not be to reduce your payment, but should be to reduce your interest. Taking out the 9% loan on the car would do this.
You should not reduce your payment, but it certainly would be nice to have a lower committment so that if one month is particularly tight you can get by.
If your credit card debt is SIGNIFICANTLY more than 9%, I'd say to go for it.
Good luck, Chris
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