Thank you to all 4 that responded so quickly to my question/situation...I really do appreciate the advice & suggestions. I'll definitely take them in and see how I can put them to use. While I know sticking with what I have and just paying more on the principal is the ideal way to go, that's just my situation though as I need to reduce the size of my monthly payment because I can barely make it anymore, so adding more to it isn't really an option for me at this time.
The rebate thing sounds interesting, but I'm always hesitant when I hear all the commercials with crazy, amazing rebates and wonder if they're for real. And to be honest I've never really understood how the whole rebate thing works...is it really like (in your Cobalt example) that I'd be given, or have to put towards the car, $4000 if I bought the car? I think I did see somewhere on this site an area that discussed rebates, but are there websites out there with general information on current rebates that can be used? Thanks again.