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You don’t need another loan, you need to Pay more on the loan you have – just add extra money each month – you’ll move that number down – ask your banker if you can add to the payments – if you try to refinance your 16,000 loan – they’ll make it 20,000 and 20 years!
I say redo the loan at a lower interest rate or get it as a variable rate line of credit which is usually a little lower interest wise compared to a Home Equity Loan