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Why don't you just refinance your current jeep? Is the 2016 essentially worth 20k more to you at this point? You could buy a decent car for 20k dollars.
I drove a 2015 left-over GC limited 4wd the other day and they are selling it for 34.5..down from 41.x..
I'm sorry, I just don't see how an additional 20k I'm debt is a good idea for you at this point.
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