First, you have to wonder if, after you acquire the approved loan amount, you can still pay your bills and others enough money to set aside for savings on a monthly basis.
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Here are some ideas to see if you might be able to refinance with bad credit for your truck or car loan.

When you get offers back lenders you need to look at all the information very carefully.
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You can put money in the bank until the time comes, you'll send the kids to college.

Refinancing in this situation you will save about nothing to seek a refinance loan.