I AM CURRENTLY LEASING A 2009 328I COUPE SULEV SPORT PACKAGE. I HAVE A YEAR AND A HALF LEFT. THE PAYOFF AMOUNT IS 31023.21 AND THE RESIDUAL IS 25K. AND IM THINKING OF REFINANCING IT. I TRIED TRADING IT IN AND NOW MY CAR IS WORTH 24K. MY PAYMENT NOW IS 500 AND IF I REFINANCE IT FOR 5 YEARS MY PAYMENT GOES UP ABOUT 40 BUCKS. IF I KEEP IT FOR 2 YEARS THE REMAINING BALANCE WILL BE ABOUT 19K IS THIS WORTH IT TO PURCHASE OR JUST TURN IT IN AT THE END. I NEED ADVICE.