Ditto on what SNOKING said. Actually if you have 2k you could go the rest on low interest card and pay off $200/month this way you'd be done. Mine was taking a $#%&^ @ 139k so I did the whole thing on CC and had it done while I was in the Keys on vacation. I ain't rich - that's why I did it on credit and just payed it off as I could. Couldn't deal without my truck due to a bad trans. It was able to make it from my house - Levittown, PA to Tim Barber's shop (now TRE Diesel Performance - still owned and operated by Tim) in Norflok, VA. It was great to stop on the way home and drive the truck with an awsome trans home. MHO