<prompt> Human: I have a car i can no longer afford monthly. Each time i try to get it refinanced, im told i cant because i have too much negative equity. What do i do? I need a car to get around, public transportation in my area is not really an option and my already horrible credit score cant afford to have a repo as well. Any ideas? Suggestions? Prayers? Lol.Assistant: What are the details? The numbers. Human: Carmax appraised the car at 10k which i think is fair, loan is 22k however since i had to roll a previous loan into this one.  <response>: had to roll a previous loan into this one.Can I ask why you HAD to do that? 