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here is a thought that no one else has come up with....
Try to find someone who needs a vehicle and can afford the payments but may not be able to come up with a down payment to TAKE OVER THE PAYMENTS. the loan basically transfers to them and is considered payed off for you. Not to mention that the loan would be payed off way early and would make your credit score go up. Not saying that this is easy, but it is a solution. talk to your bank again and see if that is a possibility, MOST credit unions will work with you.
Good luck
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