<prompt> Human: So I bought a brand new car 2 years ago. I owed on the car I was trading in so including that my loan was almost 26k for my new car. Since then Ive had to get my own home and Ive had a son. I still owe 18ish on this car at 435 a month. I cannot afford it. But the Kelly blue book on my car is between 6 and 8 grand. Im so underwater on it. Realistically Im just trying to see if anyone has any advice on options on what to do. I cant have my car repossessed. So far the only options I see are get a way cheaper car and the 10k that will still be owed will be tacked onto that loan or file for bankruptcy. I dont want to file for bankruptcy because my mother signed on my loan so I dont know what that would do to her. If anyone has any kind of advice I would appreciate it.  <response>: If you stop paying it will destroy your mothers credit. Basically it will stick her with the debt. Dont do it 