<prompt> Human: What are my options? Is there a way to get someone to take over my payments or something to that effect. Im kind of novice when it comes to this kind of stuff. Thanks in advance.  <response>: If it is not a lease, then you cannot just transfer the payments like that.What you can do is look up the value of the car as it is now through Kelly Blue Book as well as what it is being sold for on Craigslist and compare it to what your loan is.Because it is less than a year old, it is most likely worth less than your total loan amount. You may have to bring some money to the table when you sell it to close out the loan. 