system
anticipating: I recently refinanced my auto loan and will be receiving a large refund from my GAP insurance. I can really use the money and have been waiting for it to arrive.
gpt
I just finished signing the papers for my auto loan refinance! Waiting on a large refund for the GAp insurance!
gpt
Great! Will this mean a lower car payment for you? 
gpt
Yes! And a lower interest rate. I'm so happy. I can really use that extra money!
gpt
So happy for you! Yes- having extra money is always a reason to celebrate!