<prompt> Human: Hey there Reddit,Its a struggle for me right now. My wife is newly pregnant and I want to get out of renting and into owning a house fast. Problem is, I have this killer car payment thats making me live paycheck-to-paycheck. I barely afford all my bills and am barely making headway on my credit card debts, which is what is really keeping me from getting approved for a mortgage. If I could free up that 600 a month payment, I could take care of my other debts fast. How get out of it without destroying my credit?A few facts: While I like the car, I dont need it. I have another car. The excess debt is a combination of a few trade ins that turned out to have a lot of negative equity according to the dealership, anyways. Im to the point where Im contemplating a voluntary repo or taking advantage of the bad drivers around here and letting insurance handle it. I have full coverage, GAP, and some really nice warranties.What is one to do?Assistant: Youll have to post the details of your current financial situation, but sounds like you need a second job, or your wife will need to start working if she is not currently.Human: Were working on it. Its hard to accept that there isnt an easy way out of this deal. Even if I feel screwed over by the dealership, they do this for a living and know every way to make sure you cant get out of it. I just cant believe they can legally do a loan for almost 200 of the vehicle.  <response>: You accepted that loan. 