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Fair enough. If you have those thoughts than leave it with her to sort out. She could possibly refi it to a lower rate (I don't know how car finance works). Cheers Jamie

Do you have a home loan? If so, and depending on LVR, you might be able to set up a $10k split and take advantage of home loan rates. Just make sure you set up a short loan term of smash the repayments. Cheers Jamie