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What are you going to do with your current ISF? Are those numbers reflecting you turning your car in to them? If so, it seems too high....what's the term?
I would trade in my ISF, and no it is not in the equation of those numbers, i think its pretty crazy to have a car payment of almost 1700/month!!
But based on all this, yes i think i will just hang onto my ISF and pay it all off, thanks for all your input guys