So as far as the credit union thing I thought of that first and that was my original plan, but I asked my mom who has been an accountant her whole life and she told me fix it up and go trade it in if you can get 2% apr because your definately not getting that at the bank even if i cosign.

Trust me dude I've been through so much with this bike I don't want to sell it at all, the day I have to hand the keys over I'm gonna be very sad.