I have four days to make a decision about my car.

Here's the deal: I'm at the end of my lease-type-thing and have a mid-sized balloon payment to refinance. This is fine, except that my (admittedly very low) monthly payment will go up by about $100.

My other option is to use my car as a trade-in on a new car - same weird lease-type-thing - and have the low payments again for another 2-3 years before a new balloon payment comes due. One assumes (*cough*) that in 2-3 years I won't be an ABD adjunct, any longer, and will better be able to make higher car payments.

Suggestions? Honestly, I'm leaning toward keeping my car, but part of me says that's being stupid.