<prompt> Human: I bought a car in Sept. 2012. I realized only a few months later how much of a mistake it was. I make about 950 a month just under full time at minimum wage and I have a monthly payment of just over 300. I also have insurance at 200 a month and various credit cards that I pay. As of right now, I am three months behind on my car payments and I have no idea how to get caught up unless I manage to get a second job very quickly. I was recently thinking of just giving up the car voluntarily, but I have no idea how that would affect me financially. I know I would still owe the lender money, but is that something I can pay down monthly? My credit is so screwed up from this car, and Im only 23. I worry about this every day because I seriously fucked this all up. Any advice?  <response>: How much do you still owe on the car vs. what you could sell it for? 