Check kbb.com and compare the trade in value to what you owe. Be sure to do this sitting down ;)
The $15k will not be rolled into the new loan only the difference between what you owe and the blue book amount/what your dealer will give you fir your car. Dealers who want to sell you a car will work the numbers to get you into a new car. Go at the end of the month to make a deal when dealers are closing their month end and sales numbers are important to their close.
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