<prompt> Human: Im 34 and am currently paying 631 a month. I still owe 18k on the car which is a Ford fusion 2011 SEL with 70k miles. Im struggling to survive right now and not sure what to do. I know the car isnt worth the amount I owe on it. I havnt missed any payments but Im also not able to save anything and am very paycheck to paycheck. Any advice would be great. They arnt interested in extending my loan to lower my monthly payments. The loan is creative finance. Thanks in advanced and sorry if I didnt provide enough information. Ill try to respond to any questions asked but right now Im seeking advice on how to deal with such a drain and if I should get out from under it completely or another option I havnt thought of.Edit: 4k of my loan I had left on the vehicle I traded in towards it was rolled into this one. Edit: its a loan not a lease  <response>: Youre way, way underwater on that loan. Theres no magic bullet except to pay it down. Increase your income any way you can - work more hours, get a raise, find a part time job, sell some stuff, etc. Then cut your expenses. Make a budget and go through it line by line and see what you can cut. 