<prompt> Human: My mother, in credit card debt up to her ears, recently purchased a 25000 brand new Honda midsize crossover. The monthly payment is 385. Is it financially a wise decision to trade this car in for a used car Camry or civic preferably that sits around the 10-12k price range?She has to have a reliable car for her long commute, period. But I know that doesnt mean she needs a 25000 car. Edit: current Kelley blue book trade in value puts the car around 15000.  <response>: I own a used car dealership in New Jersey. Trading in the car for something cheaper is a terrible idea. To keep things simple, if she still owes 25k and her trade in value is 15k, then the extra 10,000 will have to be rolled into the new loan on the cheap car. That amount is pretty much impossible to roll into a new loan but if she did, she would basically still be financing the same amount of money and be driving an older car. Her only option is to pay this car off at this point and do it as quickly as possible. I really dont understand how people do this to themselves when they are already in so much debt. 