re: Need advice re: car payment with high interest rate**UPDATE on page 3**

Work in auto finance for a major bank not Santander! Can you refinance with some cash down? For example if you are refinancing about 10K and can put 2500 down will knock rate down significantly with you co signing.

Also no offense but Santander finances the very low end credit and charges high fees dealers dont like so if she can get approved at a different bank should be better rate as well