<prompt> Human: Amount Financed:22,928.19Annual Percentage Rate:3.24 Monthly Payment Amount:338.57Term:75Contract Start Date:4272013Contract End Date:8112019Months Remaining:52Amount Remaining: 16,755.42Student Total Loan Balance:27,789.13Rent: 875 split in half - living with gfCredit Card: 2500 limit - roughly 2300 need to payoff I purchased a brand new car in 2013 while I was in school and thought I was able to afford it with ease. Would it be a good idea to trade in my car for something used to get lower payments? Im looking to lower my payments so I can really start taking care of my debt. I have student loans along with living expenses and 1 credit card. I looked into refinancing but the rates werent any better. It was a higher interest rate like 6 something and didnt significantly lower my payments. Any help would be great! Thanks in advanced  <response>: Chances are that you are underwater in your car... Owe more than it is worth. 