<prompt> Human: Im 25 years old and in February of 2018, I made a huge mistake in thinking I could handle the payments on a 2017 Toyota Corolla for 5 years. I managed to receive a loan for the car at 3 APR, putting me at 250 a month on my car, worth 16k, for 5 yrs.x200B;In May of this year, my job where Id worked for 6 years randomly went out of business leaving me, someone with no degree or skill of any kind, to pay 1k monthly for expenses. I managed to find a job at a deli for 10 bucks an hour,full-time and it is barely enough to pay for anything. All of my money goes towards my car, rent, food, phone and insurance.x200B;My car was repod today cause I was 3 payments behind and part of me wants that shit to be gone forever, but I know it will be sold at auction and Ill end up having to pay for a car I dont own, so I have to find a way to get it back, I guess. Was off today. Walked out of my house, pulled my keys out and checked the lot for my car. Gone.x200B;Is there any way to get rid of this car without owing an outrageous sum of money? Just feels like 5 years of my life are being eaten away for a dumb mistake. May as well be in jail  <response>: To be blunt and seeing your other post, this wasnt a dumb mistake. Its the culmination of a series of dumb mistakes, so you cant be all that surprised this happened.To paraphrase a common investment advice quote, The best time to have gotten your shit together was 5 years ago. The second best time is today. Step One is to drop this attitude of pretend that it isnt there and hope that itll go away. Your car repo and looming bill will not go away. Your outstanding tickets will not go away. The money you owe wont be forgotten, it will chase you. The only way to get these things to go away is to make them go away. In addition to getting a second job, you need to be lowering your expenses ASAP since you are in a financial emergency. How much are you paying for your rent, food, and phone? What about insurance? Since you will likely not have a license nor car for a while, you should drop your car insurance. You next need to get a second job to pay the bills. Tickets come first so you dont end up in jail you cant really earn good money there, by the way. The next step is not a financial adjustment, it is an attitude adjustment. Stop texting and driving, and face up to the consequences for it. The fact that people die to it shows that it is far from a victimless crime and to be frank, people who text to drive and then continue to drive despite having licenses suspended belong in jail so they cant keep driving. Dont be one of those people. Off Topic: One thing I would suggest doing mentally is living without a car for a bit. Take bicycles, walk, get rides. Do this for a bit maybe 6 months. Youll be much more thankful when you get your car back. I did this for a while when my car was totaled and I couldnt afford another. Its made me a much harder worker and someone whos now thankful that he can afford a car. After youve gotten another job, lowered your bills, paid your tickets, and changed your attitude in driving, the next step is going to be investing in yourself. Youve mentioned several times you just have a GED, so time to fix this. First step is finding something you would like to do. The trick I use: What would I do if I werent limited by anything? -- dont think oh, I dont have the school, oh, its too late, etc. Just think what if it werent Next step is affording schooling in both moneytime. Luckily a lot of resources are cheap or free community college, online class, textbooks. Get financial aid for everything you can. Then study, study away. Having a better job will just naturally make you happier and put you on a better path. Good luck! 