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I'm curious how upside down you got on this loan when you bought a used car with 90k miles on it. I'd assume that the vehicle was 3 years old and the biggest depreciation hit was already taken by the first owner.
If I read the OP right, you still owe 3k on the vehicle? Or do you mean if you sell it for what it's worth now, Kelly BB value around $8k. Normally being upside down on a vehicle means that you owe more than it's worth, so if you're by the OP you're saying you still owe like $12k?
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