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Three years ago my aunt and uncle helped me co sign a brand new car. I currently have about two years left on it and roughly 8,000 dollars.
Today, I got a call from my aunt telling me that both her's and my uncle's cars are starting to really break down, so they went to a dealer. They didn't really like the interest rate they were being offered(9-10 percent) and supposedly the dealer told them that having themselves removed off my contract would help. So they called me.
I don't have enough money to pay off the car outright, so the only option to have their names removed would be to refinance the car.
That just strikes me as an incredibly dumb idea though, and something that's going to cost me if I try. I have two years left on the car, with my current payments being 390 a month. My credit has gotten a lot better since then, but no one is going to refinance a car for two years, which means I would need to lenghten the contract. I really really don't want to do that.
I mean, would getting their name off the contract help them that much?
And more to the point, how do I go telling me I don't want to do it? I recognize that they helped me, and in fact have helped me a lot since I moved to their city, but I don't feel like I should have to sacrifice my finances.