<prompt> Human: Hi, and thanks for reading!So Im in a bit of a pickle. I have a 24.6 APR car loan, with a payoff of about 12,500. When purchased, it was 11,995 on the lot and the loan was is a 72 month term. I am currently 24 months into the loan and the vehicle is now worth about 4,200. I was approved for a refinance at 6.72, but the problem is, the most they will give me is 7,700. Every month I am spending around 885 on this car. EVERY MONTH. That includes payments 385, insurance 200, and gas 50, plus averaging the cost of maintenance for a year 3,000 for repairs and oil and such every year.I have had the loan for 2 years since I was 19 and have tried my utmost to get my credit score up. I have never missed a payment on anything, I pay my bills on time, and I dont slack off at work. My current credit score is just below 680, and thats with me breaking a 1 year lease and still paying that debt off.What I want to know is, should I do a voluntary termination on the vehicle? I make about 1600-1800 a month Net, sometimes more, and my other expenses total under 600 a month altogether including rent not food. Should I try to move it to a credit card? Should I just stick it out? I have a family member who is willing to put 3,000 towards it to help out, but Id rather they put it to a used car online or craigslist my father was a mechanic, I can fix most problems myself or know people who can do it right, cheap.Wouldnt it be better to by a 5k car and then spend my money on getting that safe and repaired and to spend thousands extra on a vehicle that is actually mine and paid off?TL;DR - Stupid kid gets stupid high interest rate on Auto loan, now needs advice on where to go from here after paying it for so long.Edit: So I commented down below with some more info, and it got downvoted. Then looking at all the other comments after refreshing the page, it looks like all of the comments got downvoted, as well as the post. Not sure why it was, Im just trying to get some advice on where to go from here.  <response>: should I do a voluntary termination on the vehicle?No, not at all. Theyll take the car, sell it at auction for like 1500, then take you to court to recover the 11,000 difference... plus a bunch of extra interest, fees, and legal cost crap. At this point letting them repo the car would be about the same and just paying it off, except you dont get the car.Wouldnt it be better to by a 5k carYou already have a 5k car ish. a 4200 car I guess. The most straightforward path out of this is really to just get on a plan to get the 12,500 paid off as soon as humanly possible. I dont mean make double payments - I mean work so much extra that other people think youve had a mental breakdown and use all extra money to just get this thing done with. 