<prompt> Human: So my old 02 Jetta Wagon was having transmission issues, I got that car when I was working a fast food job years ago.Ive gotten older, moved up and started a sales career. Figured Id get a car. I was shopping and everywhere was offering me high down payments coupled with high monthly payments 1200 down and 450 month.I finally got quoted for a 5 year loan for just 750 down and 350 a month. Great deal but it was 5 years.I dont even yet have a five year game plan. My job pays decently but its still entry level so idk if its any job that will last me long term. Ive been there for almost 2 years, though. I didnt realize until after I signed the contract that the car had no cruise control or heated sears or even Bluetooth. I assumed that it was a 2014 and would have those basic features.Ive been reading that if I turn it in, Id have to pay back that whole loan. And theres no way out of it. I want to build my credit score. But if I let this car go back, Id be 16,000 in debt.If shit hits the fan and I have to turn my car back in, is there anyway I can soften the blow on my credit score? Or will I have to become a homeless heroin addict?  <response>: You know the car has value right? If you return it they dont take the car and demand the entire loan payment, they take the car, and subtract its worth from what you owe and THATS what youre on the hook for.Do yourself a favor though. Take a basic finance class search youtube or something for a free one and then take a basic lesson in car shopping. Assuming ANYTHING exists on a car is foolish especially since it was a 2014. 