<prompt> Human: I owe 12,000 on my 2009 Scion tC with 43,000 miles. KBB has value at 8,500 trade in and 10, 2000 private party value. My interest rate is 13 I know its crazy, but my fiance totaled my car, and he basically told me get what you want. It was an impulse buy. My question is: what should I do to get out of this without losing too much money?  <response>: Can you refinance the car? If your credit is decent, you should be able to get 3.9 or 4.9 loan. 