If you have worked hard to improve your credit score and pay off bills, look into refinancing. You may be able to get a better rate than you currently do. This will help you to reduce the monthly payment. If you desire to continue paying the same amount, it will reduce the amount of time it takes you to pay off the loan. More of what you pay will go towards the principal rather than interest. Refinancing can also allow you to take out equity to pay for other needs you have.