<prompt> Human: So I have a 2010 Scion tC I owe around 8k-9k on it at 24 my payment is 380. What should I do? Im so over payin so much for such an old car, any advice would be much appreciated!  <response>: Stop eating out. Stop going to bars. Cut out ALL unnecessary spending. Sell off any hobby stuff like guitar collection, PC gaming equipment, etc. I just clicked on your name, stop spending money on smoking. Sell off your stuff related to that, all of your nice fancy glass. Get a 2nd job in the eveningsweekends. Take ALL of this extra money, and start making extra payments to your loan with any extra money after eating and paying all other bills.In the meantime, get on Credit Karma. See why your score is so low. Do what you can to fix it. Make on-time payments, fix anything in collections, etc. etc. Really with 10,000 owed or less, youre better off just attacking this loan than refinancing. Try to pay this off ASAP.Take care of the car. Pay it off, and drive it another 10 years to recover from this mistake. 