@amkari, try going to a local CU and see if they approve you for a lower rate, those rates are just not worth it bud.
Date Discharged: 01/06/2011
Lender: NuVision FCU (through Fleet Financial via lendingtree.com)
Date Applied For: 02/28/2012
Approval Amount: $21,560
Interest Rate: 9.32%
Term: 72 months
Loan was Refi. Previous loan was 7 months old at 18.24%.