<prompt> Human: Can I go to my bank or get it refinanced? I have a high of 1400 and a 666 credit score. Im freaking out. I feel like I just made a huge mistake. Assistant: Contact a local credit union, see if you can refinance.How is your boyfriends credit?Human: His credit is destroyed. 400s. Hes in debt to multiple places and hasnt paid anything. Assistant: His credit is destroyed. 400s. Hes in debt to multiple places and hasnt paid anything. Then why drive such a new car?Human: He wanted to get into a car that wouldnt be causing him as much problems as his older car. That we traded in. We were spending hundreds of dollars fixing it.  <response>: Hundreds of dollars fixing it is still better than spending 30,000 fixing it...as numerous people in this subreddit will tell you, there are solid used cars available for 5-6K. Also, try some calming exercises. You seem to feel over your head right now based on the comments, but 2 or 3 years from now, this could be a distant memory. Listen to some of the potential solutions in this thread and consider how they can be implemented and accept that yes, youre anxious right now, but youll live through it and you can take numerous steps to mitigate the effects of this. Youll be ok. 