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

Actually the car is probably on 13% and there was a 3-4% kickback to the dealer. Thats typically how it works. The bank paid the dealer 4% off the bat to get her in at 17%. The bank is more than happy to take 13%. But they charge that because she is a very high risk. Otherise nobody would make a loan to her. Much better to get your own loan on the car and buy it from her than to cosign with her on a refi. (what if you dont get married? she could purposly default and take your credit with the break up) If you buy it then worse case is that you own the car. Also you can insure it far cheaper than under her credit likely. Depending on ins co.