<prompt> Human: Hi! Im new to Reddit, and this is my first personal post. So please dont hate me if something is worded wrong. Im in a dilemma.I want to sell my car, Ive realized that I dont really need it, and itd be really nice to have 440 extra in my pocket each month.Its a 2015 Toyota Rav4 XLE Sport Utility 4D. On Kelleys Blue Book its worth 14,993-16,404. I currently OWE 21,753.10 on it, which I dont think anyone is going to buy the car for that much. Im confused on how I can get rid of the car and get rid of the loan entirely. Also, I bought the car for 32,573.25HELP!  <response>: Basically you are upside down, or underwater, on your car. Not a good place to be, but its fixable. Take this as a lesson on buying cars. Not sure your income is, but you probably bought more car than you could afford. In the future pay in cash or do no more than a 36 month loan with at least 20 down. x200B;It can be a little tricky to sell a car when underwater. Youre going to want to start with calling your bank and telling them you want to sell and see what their stipulations for loan payoffreleasing the title are. But basically you are going to have to eat the difference. Nobody is going pay more than its worth, they dont care what you owe. If your car is worth 15k, thats roughly what people will pay. So if you get 15k then you will have to come up with the other 6k BEFORE selling it. x200B;Heres your options: 1. Come up with the difference in sale price vs what you owe. You can work extra shifts, sell things, and save until you have the roughly 6000 difference. 2. Trade in the car and roll the old balance into the new loan. Bad idea, but it is an option. 3. Go to your bank and ask for a personal loan for the difference. Then sell the car. You might not qualify for this or they might give you a high interest rate. Youll have to ask your bank. 4. Keep driving the car and pay extra on your loan and pay catch up on the loan. You will want to throw every available penny at it. Work extra, sell things, etc so that you can pay it down quickly. 