Well I heard back from the DOJ credit union today and they have approved my refinance for the titan so it's staying! I had checked with a loal CU and they told me they would only finance up to 80% of the kbb value of the truck which wasn't enough so I was looking to trade the titan in on an older tacoma to get a smaller payment and help with gas a little. Well I figured I'd try one last chance at refinancing (because I HATED to see my titan go) and the doj credit union came through and cut my interest rate in half and my payments by almost $300 a month!!! It's a little longer loan than what I have left on my current loan but with that much off we can send 50-100 bucks extra each month and have it paid off early. Anyways I just figured I'd share because I'm excited!:redblob"