I agree with @focusondisney, how long is your car loan if you have paid for 2 years and haven't touched the principal? It sounds like your car loan has been amortized like a mortgage where you pay more interest up front and more principal on the back end in the later years of the loan. If you are 2 years into a 5 year loan refinancing may not be worth it, because you will have already paid most of the 27% interest already on the front end so you won't be saving anything by refinancing, but actually paying more. If this is the case you will soon start to see your principal balance start to go down once you get past the front loaded interest payments which should be soon on a 5 year loan. Banks love when you refinance for a longer payment term it means more $$ in interest for them.
There is flawed logic here. Please look up an amortization table that breaks down the principal and interest payment for each month to see how this works. There isn't any "front loaded interest." A larger portion of the payment is going towards interest at the beginning of the loan because the principal balance is higher. It isn't somehow "loaded."
Check the website for your account to see if there is an amortization schedule posted for your loan. The schedule will show how much principal and how much interest is paid for each payment, and the lines should be numbered from 1 to 72.
Here is an quick internet breakdown of your amortization on the 6 year loan based on the information you have provided. The payment always stays the same but you can see how most of the payment in the first few years go more towards interest than to the principal balance. If you refinance it for a shorter term at a lower interest rate you would be saving money, if you refinance it again for another 6 years you will be paying a crazy amount of interest. Use this site to calculate the terms of the refinance loans to see if you will truely be saving money. If you could refinance to a 3 year loan at a lower interest rate then definitely go for it but I would not do another 4, 5 or 6 year loan again, especially if they are charging you fees to refinance the loan too. You can find other calculators to see the refinancing savings, this one on zillow you could use just change the terms according to your quotes, even though its for mortgages its still the same math. https://www.zillow.com/mortgage-cal...tor/?msockid=3a9fbbc268a564b70f26a81d69c9657b
if you have an office on aging in the county where you live or board of social services, speak to them. they now what programs are available where you live and can help you apply for them. Depending on resources, her income would quaify her for Medicaid which reimburses her part b premium and pays her coinsurance and prescriptions. she may also qualify for snap benefits, utility assistance etc. I would also contact social security to see if she qualifies on a spouse, x spouse or deceased spouse's benefits.
thankfully we have the emergency fund to cover it.
Please tell me you put that 2 there by accident and your interest rate is 3.52 percent.
When he checked in the night before, his juror # was not part of the group that had to report and it said now he is not required to serve for another 3 years. 
everyone o.k. out there? everyone busy with back to school and/or end of the summer plans? only good stuff i hope. as for us........hvac has to be replaced....$17K'ish
You can also make homemade ice tea and save a LOT of money. We pour boiling water in a half gallon pitcher, then tie the strings of around 8 tea bags and hold up the strings with a paper clip over the top edge of the pitcher. Let it sit for 20 mins. Add sugar to taste. We put 1/4 cup in. Chop up a lemon and save in a container or ziploc bag in fridge to take as needed.
You can also make homemade ice tea and save a LOT of money. We pour boiling water in a half gallon pitcher, then tie the strings of around 8 tea bags and hold up the strings with a paper clip over the top edge of the pitcher. Let it sit for 20 mins. Add sugar to taste. We put 1/4 cup in. Chop up a lemon and save in a container or ziploc bag in fridge to take as needed.
Yum!
When you’re used to drinking real tea, the bottled stuff tastes terrible and seems outrageously expensive.
dang that would still be great deal here-our walmarts charge $6.78 for liptons 12 packs and if you prefer the pure leaf it's $13.98.
But if you look at it by week that's over 10 bucks you save or over 40 a month. That's not nothing.
We don't buy tuna pouches unless they are on sale for a dollar and that's only saving 25 to 49 cents a pouch depending on where we were to buy reg price. It may not be a lot but we eat a lot of tuna and it adds up over 10 pouches.
It's all in how you frame the savings, and I don't mean Disney math
