<prompt> Human: I apologize if this is not the correct place to ask this. But I screwed myself by trying to finance a car through the dealership. I now have a 25.55 interest on the car, it makes the total go from 9000 to 15000 after the 45 months are up. Ive been paying on it for 7 going on 8 months now. It was my first line of credit and I have also gotten a credit card and got my score up to an even 700. I tried to refinance it today but the credit union said it was not of equal value for them to refinance for the remainder, which is 8000. They said in order to do it I have to fork up 1800 upfront. Please redditors, what are my other options? I dont want to pay 15000 for a car thats worth only 6200, I know I rushed into things and I want to learn from my mistakes. Thanks guys  <response>: Most places wont refi if you are upside down. You need to get out of this loan asap, or pay it off.I would aggressively sell some items, borrow from family, and do some side jobs for the extra 1800. If there is no way to refi, then pay as much as you can to this loan and pay it off before the due date. 