<prompt> Human: Hi yall. First time posting here, didnt even know this was a a thing until I googled it. So Im 20, work a full time job do classes online towards a criminology degree. My 2006 Nissan Sentra got totaled while it was parked on the side of parents house back in February of this year I had no way to get to my job so my dumbass thought since I had a full time job I could afford a new car. That is simply not the case anymore. I make 13 an hour while working at a law firm, I make 40 hours a week, pay is biweekly so around 850ish per paycheck. My expenses are not much, just my phone 75 a month, 125 for car insurance, I help my parents out with some bills in the house. My car payment is at 429.89 with 7.5 with a co signer for 84 months. I put 3500Down. Ive had it since April 2018 till now I recently just made another payment on the 20th. Thankfully the job has been stable ive made payments weeks early since I want my credit to improve dont want to ruin the co-signers credit either.Since Im only 20, I havent had credit at all until now, its around the 650 range which I still consider kind of bad. The rest of my money goes into an ally savings account which I just made. I usually have around 300-400 per check left over after bills all. I obviously dont want to pay the car for 7 years, its a 2018 Jeep Cherokee, what can I do to get out of this? Can I trade it for something cheaper better on gas or just pay it off in 7 years or what not.  <response>: Options:Trade in, but youll lose significant value, possibly still owing on the loan.Personal sale, with same stipulation as above.In most states, theres no prepayment penalty, so if you have a healthy emergency fund you can put that extra money to the car and get it paid off more quickly.I am not aware of other options aside from borrowing the money elsewhere for a better interest rate or some other beneficial term. 