You received some good advice from the other professionals. However, I see to many people focus simply on what their current interest rates are and what their current monthly payments are. When you focus simply on rate and payment the lenders have you right where they want you. The two most important questions to ask yourself are when will I pay this loan off? And what will this loan cost me? When you speak with any prospective lenders ask them the following questions:
1. Do they offer a Daily Unpaid Balance Loan?
2. Will the lender apply your payments immediately to get you the interest savings and not wait until the second half of the month?
3. When will I pay this loan off?
4. What will this loan cost me?
If you have further questions I would welcome the opportunity answer them. You may reach me in my office at (626)610-1179. There will be no oligations. Good luck!