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Thank you for the advice guys. clearly the lease is a poor option now. i will try to see if i can get a low enough apr to make the refinance worth it.

Hello all, wonder if anyone else here has found themselves in same position. I was one of the "lucky" people who was able to order a GTS at msrp 3y ago when times were very different. Im now paying 2900/month to finance the car, the car MSRP'd around 160K and I owe 114K, 44mo left and the apr...