[myoung84]

It's only money! My situation was a little different since I already had a truck payment. My payment is actually a few dollars less on the PW than it was on the old truck since I got a much lower interest rate this time. If you figure the amount of interest I am paying over the life of this loan, it's actually less money than the interest would have paid for the remainder of the old loan, not including what I had already paid!