<prompt> Human: Long story short, I bought a truck 1 month ago. It is a ford f150 2017 model. I ended up financing it for 34k. Its a nice truck but its not really a need. Plus my insurance is now 100 dollars a month along with the 500 dollar payment. It was a stupid mistake and I am trying to regain some of my losses. What is the best way to go about this? Should I sell this through a third party to maximize getting the most out of it? It only has like 300 miles on it. Thank you guys and look forward to hearing from your advice.  <response>: That truck has lost enough value by driving it off the lot that you are already underwater on the loan. KBB has value as 28K for selling back to a dealer up to 32K selling to a private party. But Im not sure too many individuals are going to buy a near new truck for almost the same price as just buying an actual new one from the dealer. You could take it back to a dealer and come up with the difference between trade-in and your loan balance in cash. Otherwise, youre pretty much stuck with this vehicle. Im guessing you dont have any extra cash since you also took at least a 68 month term on this loan, which is crazy long, and youre worried about making the 500 payment each month. But your best option is to aggressively pay this down so that you are not underwater, then sell it off in a year or two to private party. Forget regaining your loss, you already made the stupid mistake, best you can do now is damage control - youre definitely taking a loss on this truck one way or another. 