How do people honestly have no clue about the FICA reduction for 2011-2012? It was a 2% present for two years. No taxes went up. FICA just went back where it used to be. My wife and I just viewed that as $4000+ of extra money each year.
If the OP can lower the interest rate with no hidden fees attached, he should do it. That is common sense.
If $200/month is breaking your checkbook, you need to get a different car because you surely do not have six months of rainy day liquid cash sitting around for an emergency like losing your job. I would never even notice $200/month.
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