Yeah thats the conclusion ive come to, just start putting any extra money I can get to my car loan and im sure it will come down before I know it. In the meantime Ill try to work on my credit score, but not sure what ways I can boost it. Should I try getting a credit card and buy little things on that and then pay it right off? Not sure if I can even qualify for a card but If I do, even a small one, Ill put maybe some gas on it, then pay it right off as to not accumulate interest.