You'll have a lot more mod money once the car is paid off. Set aside an emergency fund for WHEN the CSC fails, and pay off as much of the car as possible. You may be able to refi after that if the payment is what's important to you, but I've always found it to be better to concentrate on the AMOUNT owed, not the payment.
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2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent
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