<prompt> Human: I purchased a 2010 Honda in December of last year. It was my first real purchase Im 25, Ive shied away from credit cards, loans and other methods of building a credit score my entire life. I wanted a nice, safe car because I knew Id be driving 35 miles a day for my first good-paying full-time job. But since I didnt have credit at all, I co-signed on the lease Edit: I meant loan here with my father, who has good credit.Ive since left that job to one that pays more and is closer to where I live, and started driving a lot less. Im not a gaudy, extravagant person by any means, and for me to have a car that new and reliable isnt important to me anymore. Hell, I bike to work 3 days a week. Im not above taking the bus. Im quite content with something less.I havent missed any payments, havent had any accidents, and the cars in great shape. Still, its costing me 325 a month, plus 70 in insurance not to mention upkeep, etc. Im just not putting as much money aside each month as Id like, which is my goal here.I went back to the car dealership, told them my side of the story, and they admitted there wasnt much they could do for me, as far as trading in the car for something lesser. My payments would remain the same.So I guess Im staring down the barrel of a 6-year loan at 325 a month. Did I mess up? How else could I approach this? Is there any other way to sell this car and acquire something more inexpensive? How can I not destroy my fathers credit in the process?Assistant: Have you looked up the private party blue book value and compared it to how much is left on your loan? You could just list the car for private sale on craigslist for starters and see what happens. If you sell the car and pay off the loan either with the proceeds from the car, or if its underwater, you may have to pay some with cash it doesnt hurt anyones credit.Human: The buyout price on the loan is relatively high because 1. again, no credit to speak of and 2. Im a sucker and bought the service package from the dealer, bumping up the loan another 2,500.So the buyout price is 18k, and the car is worth 15,000.  <response>: Scrape up 3k, sell the car for the 15k its worth and pay off the 18k loan. It wont affect your dads credit. Then save up and buy a decent car for only a few grand. You can get reliable for less than 4k, especially if you arent too concerned with looks. 