Round up your payment. Your monthly payment would amount to $471.78 a month. However, if you rounded that up to $500 a month, your original term of 60 months would shrink to 56 months. Of course, you pay a bit more – $517.96 – and you could get 6 months (54 month term) shaved off.
There is no alternative or happy medium that allows us to repackage a 1970s or 80s model, tweaked with a passing reference to.
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On the surface this appears to be a relatively simple question to answer. If you owe money, and you own something of value, it makes sense to turn your asset into money you can use to pay off your debt. If you own an older car that you no longer need, it makes sense to sell it and use the cash to pay off your credit card. It’s a no brainer.
Unfortunately the answer to the question "what happens when I can’t make my loan payment?" is very simple, stressful and life-changing events. Not only could you possibly lose your car, your house, or get evicted from your apartment right now, the long term consequences will be just as bad.