<prompt> Human: I am 20 years old and bought a 2011 scion tc almost 2 years ago. The car is worth around 10,000 on kbb but the loan is 13,636 right now because I was stupid and decided to add lojack and remote start which cost almost 5,000 so the total loan was 17,000. I pay 292 monthly and it isnt too bad but im just tired of having the debt. Its really not worth it having a nice car. I rather just have an old car that drives well with no payment than a newish car. So im going to CDL school in a few months when I turn 21 amd ill be an otr truck driver so ill almost never be home. I wanted to know what the best thing I could do to get rid of the car loan. I thought about trading it in and getting a leased car so instead of my 72 month loan which now I have 52 left Id just pay a lease for 2 years or 3 years. Lease payments are usually less money anyways. I know I have to get the amount of the loan the same as the value of the car to do anything. I juat wanted to see what someone with alittle more experience with thos stuff has to say. I dont know if I should just pay the car off faster with bigger monthly payments and if so how should I go about this so I dont pay more interest. Thank you for any advice  <response>: First, dont lease. You take on all the risk but dont own the car. You THINK what they tell you is what is going to happen aka XXX a month for 36 months, etc. BUT when you go to turn it in there are a few extra miles or there is a scratch on the door or whatever but will cost you another 1000. Dont lease. Second, I think you have learned the dangers of a car loan for 6 YEARS!! If you cannot afford a payment on a 3 year loan then you are borrowing too much. So in the future never borrow more than 3 years on a car and you will find yourself in a much better financial position.But why are you wanting to get rid of the scion? You have had it two years and even though borrowed a LOT of money are just a couple thousand dollars under water. I am glad you are tired of having the debt and great to hear you want to get out of debt but a lease car is ALSO debt. And I assure you will be more than 13k. So you cant say you want to get out of debt and the solution is to borrow TWICE as much on a lease car. Just attack your car loan. Instead of paying 292 a month pay 400 a month. In about three years it will be paid off. THEN make a pledge to never borrow more than you can afford on a 3 year loan. 