First off, I want to thank everyone for their input. It helped me very much. That being said, I'm pretty much stuck. I spoke with Neighbors and PenFed. The car's payoff is 18k roughly but the NADA and KBB value is 14k so the only way to have it refinanced is putting down the 4k difference. sucks bad but im using it as a valuable teaching lesson for the fiancé
Right now, im planning on just having her continue to make her monthly payments as shes been doing and pay it off. Are there ANY OTHER OPTIONS at this point assuming I don't put 4k to meet the difference?
Again, thanks everyone for their input. While it didn't necessarily help the situation, I got to learn some stuff and gain knowledge in dealing with loans and such. So not all is lost!