I AM IN DEBT

bank pays off all your cards, you pay the bank back at a much lower interest rate– they will likely demand you close your accounts at best buy etc– and you should anyway.

suddenly bringing all your accounts to a zero balance will actually negatively impact your credit as well…. stupid system if you ask me but just wanted to let you know.

HOW?

Advice won't help you because you're a moron.

This. The highest I've ever paid for a car monthly was 400, and it was a brand new car, 25 grand, from the dealer.

You got fucked on that financing.

It's a 2016 v8 mustang…

How exactly do I go about to a bank and start this?

does it cost me credit points?

you are a retard, paying for that when you have debt

nice car but not worth it at all. Every person I know with a mustang has had problems and all before 30k miles where put on it. Expect to pay more on that thing than just 600 a month because its not if but when it happens.

the debt came afterwards