<prompt> Human: I stupidly took a very high interest rate car loan a few years ago. On a 2013 Dodge Avenger. I currently owe 14,000 on it. The estimated blue book value is only around 5k. So I am clearly seriously upside down on this loan. My credit is now much better then it was when I started the loan but since the debt to value ratio is so bad no one will refinance me. My question is what should I do? Just keep paying it off? Or should I try to roll it into a new loan. Obviously this would make my next loan giant but maybe the interest rate will be better? I am now making more money and my hope is to have this loan paid off within the next 2 years. Any tips would be greatly appreciated.  <response>: When you find yourself in a hole, the first thing you do is stop digging. 