I have a huge problem with a car loan. My husbands truck doesn't run. It's a lemon, we owe almost 6000 and the interest rate is through the roof! I cant get rid of it because it doesn't run, we are working on our credit and I'd like to refinance to at least drop the payment from 386 to 110, but our credit score is right below 600 and we need to get another truck for him for work. i need advice?