chevy_Jenny, one more thing about the DMV, like Waldo said the laws and rules vary from state to state, that also goes for the DMV office. I have received different information from separate individuals working in the same DMV office. If you are told that it cannot be resolved easily, you may try and ask another at the same location (maybe on a different day) or pay a visit to an entirely different office.
Some DMV workers may be lazy, and less likely to work with you, and another may go above and beyond, and will make it less painful for you.
I have dealt with several DMV offices in both Iowa, and South Dakota, and many in Nebraska. I still have to acquire titles for two of mine.
Good luck,
John