<prompt> Human: In March of 2014 I was single and was wanting to know what it would feel like to be the owner of a newer vehicle. I love going off roading but decided I can take a break from that for a couple years and enjoy the nice gas mileage of a small car. Well what a mistake that was, not only did I regret it because I love off roading and camping, but I also fell in love and got married to a woman with a toddler, and we now have a baby on the way.The car I bought is a 2 door 2009 Chevy Cobalt, and it is hard enough getting the toddler in and out of that stupid back seat, but adding another kid?I had to trade in my old vehicle and tack on the loan for that vehicle to the Cobalt, so the cobalt after taxes and all came to 12,000. Plus 4,000 I owed from the past vehicle, came to 16,000The other reason I regret buying this car, first car purchase didnt go over well, oh wellSo my question is if we have any options at all, or if we are out of luck.We cant really take on any more payments, we currently have a 6 year loan for with 235 payments, which is really great payments, I had to hassle the hell out of them to get that low of payments, but now that Im married with 1 12 children I cant afford higher payments right now.So we really want to get into an SUV so we can all fit easily and still go up into the mountains, I dont mind going to an olderhigher mileage vehicle, I just fear with that high of a loan we are out of luck.  <response>: Stop it. Seriously stop. You need to pay down this car before buying another one and never get a loan for more than three years. 