Can I still refinance with a prepayment penalty?
Yes you can, PPP is tax deductable and the qualification process will determine the rate of benefit. The reward of refinancing is you can start saving money now and regain control of your bills and your life.

What is a no cost loan?
Those kind of loans have fees that are included in your financing. The banks and finance companies include fees and it is true, those costs are not included as out of pocket expenses, but are well documented in the paper work.

Can I still get a good rate?
Yes. It all depends on your credit. A good and honest company will work with you and explain your options. With so many lenders to choose from each one has a qualification process to get you the best rate possible.

What can I do if I have a bad loan?
You have an opportunity to change that at anytime. You shouldn't feel like you don't have an option to change. It depends a lot on your individual circumstance. It is suggested you talk to a trusted, "licensed" professional. A non-licensed entity works with no fear of impunity.