[Hawkeye]

Now do the math on how much you save if you double your payment each month. It's well worth going a year without as much superfluous spending.

edit: I also agree with the above that 675 is a terrible score, it is only "average" because the majority of America is dumb with money. You don't want to be "average". I have a buddy that defaulted on 2 credit cards and went through the whole collections process, and within 4 years with just one secured credit card was able to raise his score to mid 600s. 675 is a poor score IMO.

Congrats on getting a lower rate refi. I can't believe you got talked into 10% off the bat, did you not have anyone that knows anything about finances go with you to the dealership?