<prompt> Human: In Jan 2015 I purchased financed a 2014 Ford Focus base mode from a Ford dealership. I traded in my old Jeep and got 10,000 for it. I still owed 16,000 on the jeep which left 6,000 after what I got for it for the trade in. From what they told me they were gonna pay off the 6,000 but obviously I was stupid and believed that so after that I realized, about a week later, that they had just rolled it into my new loan. I was super tired that day and just wanted to get the signing done which was obviously a HUGE mistake on my part. They talked me into the most expensive warranties which includes oil changes, brake pads and some other maintenance for like 100,000 miles. After everything was said and done, and after the down payment the whole loan came out to like 32,000 for a fucking Ford Focus!!! My payment on the car is 450 a month on a 6 year loan. I have paid about 4,500 so far. I still have about 27,000 left to pay on it. I know this was a bad, bad decision and 450 a month and 32,000 sounds more like a luxury car than a base model ford. I dont know what to do and I feel stuck. The car isnt all that bad and gets good gas mileage. I could definitely live with the car for another 6 years but it just kills me that I have a loan for that much. I make about 2,800 a month after taxes. I have a decent credit score of about 740. I feel like I wouldnt get crap for the car if I attempted to trade it in. I have heard from a couple people that I should try and refinance the car but I dont know if that would do any good. ANY advice is appreciated. Thank you so much!  <response>: At this point there isnt much you can do except chalk it up to a life lesson, and create a plan to pay off the car ASAP.The 32000 is the total of all 72 payments. If you keep the car and the loan for the whole 72 months, yeah, the car will cost you 32000. But that includes interest on the loan, the negative equity, the warranty you are paying interest on those, too, taxes, fees, etc. Call or go online and get a loan balance and loan pay off. I assume you have a Focus S. Used 2014s with under 20k miles sell for 12-13000. So trade inwholesale is around 10000. It will be impossible to refinance the 27000 balance on a car worth 10000. Nope, no easy way out of this. Gotta buckle down and pay off that loan. Use that service plan to the max since you will be driving the car for a long time. And dont roll negative equity into another loan again, unless you have the cash to pay off the equity. Nothing worse than paying a loan for a car you no longer have. 