The good news...

I've been overpaying my car loan in an attempt to pay it off in 3 years instead of 5. I recently looked at my statement and it appeared that my overpayment was going to the next payments and not to the principal. I was wrong. It's doing both. They first pay the accrued interest, then the rest goes to principal as well as taking off from the next payment. As a result, I don't have to make a payment until May 1. I'm still planning on making my March 1 payment which will in essence pay what remains of the May 1 payment and all of the June payment pushing me out to not needing to make a payment until July. That will have me a full 3 months ahead. :)