I never knew refinancing a car would be so f***ing hard. Seriously first it's oh you have no credit.…

I never knew refinancing a car would be so f***ing hard. Seriously first it's oh you have no credit. Ok so we get credit. Then it's oh you haven't worked at your job long enough. Ok we stay employed at one job for 15 months. Next is oh you have to make at least 6 months payment with the agency that financed your car. Ok we are on our 9th month with no late fee with them. Oh now it's our debt to income ratio. No duh that's the reason why we are trying to refinance the car so our payments are lower and interest rate isn't sky rocket. I swear I hate being an adult sometimes.