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She can demand all she wants, but she did agree to the original terms. Now, you must be willing to reciprocate. Your debt is weighing heavily on her ability to borrow. Perhaps she wants to buy a house and can't because of your loan. I recommend that you refinance the vehicle, since you should have a well-established payment history. This will remove your loan from your friend's debt ratios, expanding her ability to borrow, and will greatly improve your future credit history. Good luck.
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