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Monthly payment $474.81 → $434.11
Break-even in 0 months
Break-even = costs ÷ monthly savings = $0 ÷ $40.70. Payments use standard amortization (state_tools.pmt). A longer new term can lower the payment yet raise lifetime cost; both are shown. Federal loans refinanced privately lose federal repayment programs.
Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.
Closing costs divided by the monthly payment reduction. If the new payment isn't lower, there is no break-even.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.