<prompt> Human: I know Im a moron, I know Im naive and a car salesmans DREAM, but heres my story. Im 27 years old, and have drivenowned 11 beaters since I was 16 and got my license. I finally had secured a solid job with a regular paycheck making 37k a year I know have a different job, making 45k. I strolled my stupid ass to a car dealership hoping to find the reasonable mid-size SUV Id always dreamed of. I was coming in on a 97 Mitsubishi Galant with no heat or airbags, so I was ecstatic. What happened next was a series of stupid mistakes. I could blame it on no father figure to teach me, or a mother who lives far away but the truth is I was stupid. About 2 hours later I drove off the lot in a 2007 Hyundai Sonata. Dont get me wrong, its a nice car and I like it. He drew up the matrix of monthly payments and Hey! I can afford those! just flooded my head. I can drive off this lot today and not cover up with blankets in my car on the way to work! Without seeing a car fax or even a static PRICE on the vehicle, I signed my life away. I was passed around to a couple credit unions and now I have a loan at 5.15 interest. I make 230 monthly payments... and after a year I still have over 9,000 left to pay. This car typically sells for around 6,000 to 7,000 from what Im seeing online now. Im panicking. It gets worse. Within 6 weeks of each other, I was in two accidents. The first I was rear ended - and tossed into the car in front of me. The other guy had insurance and they covered it all - better than when I bought it. The second time it was a drunk driver who side-swiped me... still had insurance and we were able to track him down and it was fixed. So here we are. Structurally, engine-wise everything this is a solid vehicle... but the carfax is NOT clean. I am drowning underwater with the rest of this loan when I know that the car loses value every day. My question is what do I do? Is it smart to stay with this car and bite the bullet? Is it smart to sell it, put that money towards the loan and take out ANOTHER loan with a better APR to pay off the deficit and use for a different vehicle? Do I take out a different loan to pay this off and sell it, then lease for a year while I pay off the rest of the loan? I need advice for a stupid, stupid mistake.  <response>: I know you feel panicked, but youre not in that bad of shape. Yes, 9000 is a lot, but its not ridiculous, and while the car is nominally worth less, youre not planning on selling it. Even 5.15 isnt that bad.Just pay as much as you can afford on the loan each month and get that balance down and enjoy your car! 