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JohnEagle said:If you are taking it to the Stealership then you might as well sell it to the guy who offered 16k plus some. Just a suggestion, in no way am i tell you want to do but i dont think they will give you pay off, well on paper sure but they will tak some over on the new ride. Trust me i have a brother who has been selling Ford since 1984 and he has taught me alot. You will pay one way or the other. I wish you luck on selling it though. Have a great week !!