I know payments are the devil, but the rest of the truck is probably also getting old, trans., rear ends, trucks are a dime a dozen right now and dealers can't give them away. You can buy a 2004 1/2 ton, club cab, 4x4, with a v8 motor with around 75,000 miles on it for about $11,000 or less, if you shop around. Believe me I have been on the repair marry go round before, it's nice to have something you don't have to work on all the time. If you start nickle and dime'ing, engine, trans. rear ends, brake calipers, rotor, rusted brake lines, ball joints, u joints, tie rod ends, it goes on never ending and after you spend all that money you still have an old truck with no value. Something to think about.