<prompt> Human: Recently got into a wreck and totaled my paid for 2013 prius. I bought it brand new. However due to inflation I could no longer afford a brand new prius so 6 months ago I bought a used 2017 prius with 30k on it for 21k overpriced even though later I discovered the used car was actually 17k. My current payment is 330 for 8 years at an 8 interest rate Ive been paying 400.However due to the accumulation of other debt student loans200, credit card 200, labtop30 I spend way too much a month on debt. All my other debt is manageable until I got this massive car payment that I didnt realize I couldnt afford until my SO and I split.Yes I intend on getting a roomate, but even before my SO and I split I was living just to pay bills, so just having a roomate puts me at break even point. I am at the point now where I would rather take the credit score hit and walk away than make the payments.I researched this subreddit, and am familiar with the typical advice of suck it up, get a second job, you made a mistake, etc. But look, I KNOW I made a mistake. Now I am ready to move forward. Is there any forseeable way to reduce the car payment and still afford a vehicle for work where I live there is no dependable public transportation, you have to have a car?I thought about leasing and should of went with that, is there a way I could trade in my vehicle with 19k left for a leased vehicle? I am okay with giving up equity if I can get more flexibility. The only thing I want out of a car now is a low car payment 200 ish and and dependability.If not do you all have any ideas?  <response>: Might not be what you want to hear. However I will highly suggest financial peace university. 