Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Car financed at 24.90% — what can I do?
Anytime you borrow money at that rate, you are getting ripped off.   One way to rectify this situation is to pay the car off as soon as possible.  You can probably get a second job that makes $1000 per month.  If so you will be done in 4 months.    Do that and you will pay less than $300 in interest.  It is a small price to pay for an important lesson. While you can save some money refinancing, working and paying the loan off is, in my opinion a better option.  Even if you can get the rate down to 12%, you are still giving too much money to banks.