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from what i have experienced, the first 2 years of ownership is a direct loss in actual value of the car... due to that your pay off is probably still high, and you have physically only been paying for interest... it may be a low interest, but still, i believe the first half of the ownership you are paying almost 70% towards interest... =( sorry to say, best thing to do is check how much pay off you have left and then go from there...
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