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you are in the situation i was just in with a tacoma. roll over to the new loan. it is your choice. see how much you can get for your car and if you are comfortable with the roll over then go for it, other than that i would say hold off till you can afford it but it should be doable. it worked for me and i had to roll a bit over...it was kinda dumb on my part but it was worth it...make a reasonable choice only if you can handle it...
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