Correct me if I’m wrong but isn’t a an auto loan a loan that retains interest payments on the original loan amount. I would head to a credit union or something and tell them his situation. He can probably get a lower % plus put that 23k towards the loan then. Meaning he’d finance 20k at that point meaning the interest paid on that loan would be based on 20k not 43k. Not gonna grill the guy because I did the same thing. Got a 39k truck finance 32k. Next month I sent 15k stupid idea but yeah. This was also on 1.9% interest.