<prompt> Human: What are my best option to get out of this loan?I made a stupid mistake.In May 2016, I brought a 2011 BMW X3. The car is perfect but I just feel stress, thinking about the amount.I currently owe, 23,007. It is worth 16k.My current loan is 4.50, 460 monthly payment.60 months to go. The payment is currently affordable. What are my options, if any?  <response>: 1. Refinance.2. Sell the car, pay the under-water amount.3. Keep the car, continue making payments until paid off. 