u/CatLoverKat12

i’m 19, i bought a 2020 corolla last june and here are my contract details:

Amount Financed:
$15,234.92
Maturity Date:
07/05/2030
Original Term:
60
Interest Rate:
13.79%
Monthly Payment Amount: $352
Paid Principal: $1,865
Payoff Amount: 13,374.43

my credit score is 658

i’m not happy with the term length or the interest rate, but these were things i didn’t realize when i bought the car. please don’t judge me, i thought i did all the research necessary, but i never considered this, and no one ever taught me. i don’t even know where to start in looking into how to refinance my car or whether it’s even worth it. i know this sounds stupid but please help me out.

do i need to buy Modern Systems Analysis and Design? i just would rather not spend $55 on a book that i’ll only use twice, yet again…

(or dm me if you have it)

there was this ao3 fic i read a while ago, can’t find it for the life of me. it told alhaitham and kaveh’s story from their akademiya days up until living together. kaveh dated people on and off but every time his relationships would end, he and alhaitham would end up kissing each other. the only line i remember specifically is from kaveh, he said “they just don’t kiss like you do” referring to his exes. him and alhaitham don’t officially get together until the end. please help i’ve been searching for months!