That is helpful. I do not live at the same address as my co applicant. I have gap for $2 per month..no warranty. I live in Maryland. Can you explain what RKBB vs WKBB stands for? I am really hoping to pay down at least half this loan by January by making an extra 550 a month in payments plus an extra 1000 or so. My co applicant could try again with a credit union, but she wants to wait 6 months because of the credit ding. Thanks so much.