<prompt> Human: Hi I recently made a mistake purchasing a new vehicle. It was more car than I can comfortably afford. The total balnce is 32k and the car is worth 23.5. Ive got 6 years left of payments. What is my best option? I have a lender that does car loans based solely on credit and not LTV lightstream so I was thinking about moving the negative equity on to a much cheaper vehicle around a 10k car so total loan would be 19k that I can afford. Is this a dumb idea? Should I just keep the car and chalk it up to a lesson learned? Thank you for your help. Assistant: I forgot to add i make about 4.5k a month after taxes but I have 12k in credit card debt and I would like to focus on my credit card debt rather than spending the 500 or so dollars a month on the car payment.  <response>: I would like to focus on my credit card debt rather than spending the 500 or so dollars a month on the car payment.This is a thing you need to think about before purchasing a new car.Your best bet is to continue making payments because if you do sell it youll have to pay the 9k. 