l have it since 05/ 07 with a 9% payments of $240. l do 250 to 300, never miss one.now it has 103k own $8500 its worth $1800 to $ 2300, l went to trade in for a brand new but they want $3000 more minimum, its better if a refinance o if a try to get a personal loan, o should l just keep it.

you will never be able to refinance it since you have no value and your actually upside down. your best bet is to keep it at least until you pay it off than you can trade it in or sell it as a private party and use the money you make for a down payment.

id just keep it right now is a bad time to buy a new car,even if you did refinance it you would probably wind up being upside down on the amount you owe on it,keeping is a better option than getting rid of it ,and its not to high on mileage yet,so it should last a while longer,both ours have more miles than that on them,good luck.