<prompt> Human: I owe 13,000 for a car that dealerships will only offer 9,000 for. Im in no position to pay that 4,000 difference and keeping up with car payments is stopping me from dealing with my other financial responsibilities. I inherited the car cosigner, bad decision and the financial responsibilities. Ive considered surrendering the vehicle to the bank, but was told by them that itd be auctioned and that Id have to pay the difference with no option of payments. Im going to be looking into getting a bank loan as my credit is alright, but Im concerned that theyll either not offer a loan for 4,000 or the interest rate will be crazy. What options do I have here?I live in Pennsylvania, am a single parent and work full-time. Ill update with any other relevant info I may have forgotten  <response>: What options do I have here?Sell the car privately. That should get you more than the dealership will.Save up some cash andor pay down the note aggressively until it is above water. 