drkaje - +1000

I LOVE your answer!   That is pretty much what I would do!   There is a chance that it was originally a 72 month loan and the OP didn't realize it.  I had never heard of 72 month auto loans until I was helping someone out and read their contract.   They appeared "shocked" that it was a 72 month auto loan...but hey, maybe that person wasn't shocked.  Who knows?