<prompt> Human: I recently took a new job and Im having to pay for private health insurance, so Im just barely able to make my payment and not be homelessstarve. I owe about 13k and the trade in value is about 9k. I want to get rid of it with the least amount of impact to my credit. Should I call my finance company and see if I can transfer payments to another party? Im not sure what that process would entail, or even if its possible. Or should I trade it in to a dealer for something very cheap and add on what I still owe on my current vehicle? Thank you for your time.  <response>: Do not trade in the car. You are unlikely to lower your costs, any monthly payment savings might be spent on repairs. I suggest selling the car through a private sale, where youd get a better price than a trade in. However, you will need to be able to pay the gap between what you owe and the sales price at the time of the transaction. You should absolutely talk with your finance company but transferring payments isnt really a thing. Call them and explain the situation, ask them for options. 