<prompt> Human: So I have a 570 car payment every month. I live rent free with my uncle and all I have to pay is the electric bill. I want to get my own place as soon as possible but this car payment is really dragging me down. My dad and I co-signed on the car in the summer of 2017 because he said it was a good deal hes a car salesman so go figure and that it would help me build credit. Well since then I had to take another job that pays a lot less, along with taking on a few extra bills that I didnt expect to have. A few months ago I told him that I was having trouble making the payments and that I have had to dip into my savings on more than one occation and that kills me. I asked him if I could trade it in or sell it back and he said that I would end up owing just as much as I do now anyways. He told me that I should refinance my car with my SO because we both have better credit than he does. That way I would have about a hundred taken off the monthly payment.We were about to do that about a week ago and dad calls me and says that he is going to file for bankrupsy soon and to take him off as co-owner asap so that it doesnt hurt my credit. Explaining this who debacle to my mother theyre seperated she asks Why dont you just take your name off the car and leave your fathers name on it. That way you can get rid of it and get a cheaper car. Dad says I cant do that without having the car paid off first. The reason Ive turned to rpersonalfinance is because both of my parents arent doing very well in life and since I dont know any better, every time they tell me I should do something, I usually believe them they are very persuasive. So what should I do? Refinance the car and still pay around 400 a month for this car? Or should I try to get rid of it somehow?Edit: I make about 20k a year this will go up soon because I will start working full time after this semester and my SO makes about 15k. The interest rate on the car right now is 12.69. And the principal balance on the car is 25,587.  <response>: Your dad really fucked you on this. Hate to say it but it sounds like he encouraged you to make a terrible decision so he could benefit from the commission of selling the car. Your car payment is insane. 