Thanks for all the input, its always appreciated! She decided to take the payoff, and she bought a 08 chevy HHR with 12,000 miles for around 15,900. Its super clean and red as can be! I guess if you look at it a certain way, it kinda worked out to be an upgrade for a couple of grand, or she only spent a few grand to drive the other car for three years. Either way i feel it all worked out in the end. Again, thanks for the help guys!