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The text discusses the feasibility of paying off a car loan using a promissory note, presenting it as a viable option despite skepticism. It highlights that a total settlement amount of $10,161.48 was reached and that a letter guarantees this payment. The author asserts that the payment has been made and that the title will be transferred, releasing the lien on the vehicle. It emphasizes the legitimacy of using a promissory note for this purpose and addresses dissenters who doubt this method's effectiveness. The author advocates for the approach, suggesting that creating a promissory note can indeed discharges car loans.