I agree it makes no sense that they could do such a thing and I am sure that is why they are now being sued, however, that does not change the fact that they did do it.As to your question, I would pay off the loan of $13k and if you need the cash, get another loan to skip such ridiculous insurance requirements by the jerks at BofA

see how ridiculous it starts to sound?    

Knows their marketIs the king or queen of accurate ARVFinds decent deals that really work for their buyersMakes an honest living, and doesn't try to add ridiculous markupIf this is you -- please, please, please, contact me!

Sorry you're about to lose a friendly neighbor or whatever, but that's ridiculous.

Companies that understand this will be the ones that grow, sometimes very quickly, and they will be the companies that have ridiculous customer loyalty and satisfaction.  

Not ridiculous, but to be 23 with no responsibilities or much debt, it's fairly decent.Long story short, I work a lot of hours and don't want a corporate job.

I've had too many ridiculous ones.

that's ridiculous.

Prices here are so ridiculous they are getting back to bubble prices again in a hurry. 

The lending requirements to get a loan if you are a veteran are almost ridiculous as to who they will give away money to.