Thanks for all the great info. I realized that I went through Select without knowing the balloon payment until today... yeah I know I am stupid and my SA was very tricky!!
anyways, I am not comfortable paying the $24K balloon payment at the end of 60/months + my interested rate is really high.
I was wondering if it's possible to just refinance the payoff amount which is around $50k through PenFed or BoA? or I will have to refinance everything including the balloon payment?
Thanks for any input!