OP wrote:
not knowning any better financed this camper for 12 years... I didn't know any better.. spoke to my credit union for the financing and they told me most people finance these for 12-15 years..
I admit, I should have researched more, but I didn't... has anyone else made a big boo-boo like this? and no, I cant afford to double up on my monthly payments right now to pay off sooner...
I don't understand - first you seem worried about financing for 12 years, then you say you cannot afford to pay more each month. So if you got financing for say 5 years, your payment would be more which you can't afford anyway. And of course the credit Union advised you to pay for 12 years - think of all that money you will be giving them in interest - it's in your contract.
And if you can afford to pay more in the future, then either do so, or refinance.
Since you can only afford the payment that comes with 15 year financing at the moment, it's a moot point.
Just make sure you get all the issues fixed while under warranty and then take very good care of it. Now go camping and stop worrying about it.
