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· Premium Member
2013 Kia Rio Automatic
1,982 Posts
I don't know the numbers, but make sure you run them before making this
decision. Seems like obvious advice, but I know people who buy homes without even running the numbers.

What are LL's like yours selling for in your area? Could be a pain selling it privately as opposed to trading it in. More paperwork, hassles, and trouble.

If you can sell it and pay off that loan without any negative equity and if you can buy the XT for $22k, how are you winding up with another $16k loan? Wouldn't it be another loan, but of $22k not $16k? Am I missing something? Or do you have enough cash on hand to do that?

Ultimately, is it worth it to you? Paying the extra? Going through the hassles... I dunno. That is your decision obviously.
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