<prompt> Human: Update on the bottom of this post.TLDR - After this was posted, we financed the repair after getting the price lowered somewhat, vehicle is back on the road, and we are planning to pay the cost off within 6 months.My husband financed a 2012 Nissan Rogue a little over year ago. We have about 3 years left with the payments, and we have been extremely happy with the vehicle. This weekend, the transmission went tits up. 4200 repair estimate from the dealer, and I am having difficulty finding any independent shop in the area who will even quote me on replacing a CVT transmission. Theres no warranty, as we have over 120,000 miles on it. Since we owe 9000 on the car, I dont know what to do, except trade it in and go upside down into a new loan on something else. We have zero cash to throw at this at all. I am really upset because I really dont see a way out of this. Is trading it in and going upside down the only option for us, or am I missing something obvious?Would it even be possible to hide that much negative equity and be able to keep our payments at the current level of around 300month? Credit score is good, but not great. High utilization credit cards is deflating things but no other negatives present on the report. I dont want another transmission of this type Im kind of over it right now! but I do want a reliable SUV of about the same size. Will other dealers even look at my current vehicle since it has a blown CVT transmission and let us trade it in for a decent price? Or am I stuck with getting another Nissan?What kind of trade in value is this even going to have?I have never had something hit with no warning and I am beyond anxious. I feel like our finances are going to be in long-term ruin. A 6-7 year car loan is the only thing I can see as even an option and my stomach is absolutely sick over it.Thanks for any advice in advance.UPDATE:So my 2012 Nissan Rogue has had its transmission replaced and its back in my driveway and usable once again. I really appreciate all of the comments and advice - I read and considered each and every one. The CVT in my vehicle was not repairable - it wasnt able to be rebuilt. No transmission shop in my area would even quote me a price to replace it, save one, and they came back more expensive than the dealer! Since its a specialty thing, I was kinda stuck with begging for assistance from both Nissan Corporate and the dealer. A CVT is not something a novice can pull and repair themselves, and Nissans in junkyards are mostly there for having blown transmissions. Theyre closed units. Also, I am the furthest thing from being a mechanic that exists on this planet.Anyway, our original quote came back at 4200 but when pressed, the dealer took a second look and offered the replacement at 3600. They called back later and agreed to also include an oil change and tire rotation - both which were currently due. This wasnt much, but it was something.I carpet-bombed Nissan with an email sent to 6 different people, and received 4 calls within 24 hours. The response time was great, but the end result was that they refused to extend the warranty on the work and transmission 12 months12,000 miles and also would not assist with the price. I spoke with an entry-level call center rep first, who called to say they were immediately escalating me to a contact who dealt with the dealerships in my area. That person then called to get more information, and then got back to me again to say there was nothing they were willing to do - my 2012 was not part of the Nissan vehicle group which were having all of the issues, nor was it involved in the lawsuits that had been filed and settled previously. The rep did not appreciate me asking to escalate further, but later that day I received a call from someone saying they were a Vice President I forget the division but that their word was final and I would not be receiving assistance on this repair.So. We ended up financing most of the work at a high interest rate, but since this is now our shittiest debt, we are going to be as aggressive as possible with paying it off. I also hope to get rid of the remaining car loan on an accelerated plan by cutting some extras out of our budget, once the repair loan is gone. Before buying the Rogue, we always paid cash for vehicles, but when my adult son totaled his car in an accident last year, I gave him my paid-off Toyota and got financed for the Nissan, since we had good credit whereas he had none at all. I feel like the car crisis is still ongoing, but I am calmer knowing it wont last forever - we will definitely be selling the Rogue as soon as its paid off and we can build up enough cash to buy another vehicle not a Nissan outright. To expand on the story, this past weekend my son totaled the Toyota that we gifted him a year ago he hydroplaned on a highway - completely weather related and now hes using the bus. We are all done with helping out. I dont like being in a bad financial position, and assisting him last time is what maneuvered us into where we are now.Thanks again for the responses on my original post.  <response>: Since we owe 9000 on the car, I dont know what to do, except trade it in and go upside down into a new loan on something else. We have zero cash to throw at this at all. Would it even be possible to hide that much negative equity and be able to keep our payments at the current level of around 300month? High utilization credit cards is deflating things but I do want a reliable SUV of about the same size.Sounds like yall are living way above your means and youre looking at going deeper into debt to get a new SUV?? You have credit cards with high utilization and presumably high interest rates and owe 9k on a car that needs 4.2k in repairs, which you cant pay.If I were you I would be making drastic financial and lifestyle changes one car family, no eating out, etc, not rolling negative equity into a new car loan. 