Alright got a tough one for you financial experts?

Hi so I have had my car loan financed with Honda Financial since october. Its a 6 year term with a 3.49% Interest rate. The balance owed is 23,900 and the value of my car is 17,500. I had about 2,500 in negative equity from my old trade in but other than that the upside down part is how fast a civic depreciates. I didnt know this when i got it, i always thought a Civic would be in high standing for its durability. Anyways my monthly payments are at 420 a month. I would like to bring those down to maybe 350-360? If possible. Anyone have any advice on what to do? Should i refinance? Can i contact my current auto loan provider and ask them? I just dont want to be paying 420 a month for another 5 years… I am getting married in two months and it would be great if we had a bit more breathing room financially. I have my emergency savings. But i will not touch that for this situation. Basically, with all our bills and expenses at the end of the month we would have about 10 bucks… So… What to do about this auto loan. My fico score is a 731 by the way. Income about 2.2k gross monthly. Yeah… Working for a bank sucks, they pay cheap.

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