<prompt> Human: Hey, PF.I currently have a vehicle that my fiancé and I purchased stupidly 2 years ago when our credit was not very good. Were both at 700 now. The car is a 2013 Chevy Cruze with 75,000 miles. It was our only vehicle for almost 2 years. Our interest rate on it is 16.9. We financed for 6 years and still owe 15,000.KBB says the trade-in value for good condition would be about 7,500. Would it be smarter to try to refinance or just get another vehicle and roll the left over into that loan? We dont have 7,500 to pay the difference. The most we could do for a down payment would be about 3,000.Any advice is appreciated.  <response>: refinance. its unlikely they would even let you roll over so much negative equity. assuming the car is still in good shape, it is no reason to discard the vehicle. 