<prompt> Human: Hello, reddit!I need help and ive turned everywhere else i could go - so lets try you all shall we?!2012 i buy a car for 29,000. Its a Mitsubishi Eclipse. Crazy, right? Well, back then, i was Muslim - and heavily forbidden to use interest. So, my dad, as i was 20 at the time, spoke to the dealership for hours.Thinking we won a deal, they gave us 0 APR, BUT added all the accumulated interest to the loan. Basically, a car that was work less than 20k, was sold for 30k with 0 APR.This happened in the beginning of 2012. I currently am paying 500 A MONTH for this car, and its killing me - literally making me scrape through the goddamn week. I tried to trade it in, but im upside down. I still owe about 12k - and no dealershipthird party car sales is willing to take this POS. even though my mileage isnt bad at all, I think Im at 38,000. So, help! Im thinking about voluntary repossession. What do you all think?P.S: my mom recently passed away dont worry, this isnt turning into a sob story so i had to start living on my own - which adds rent bills and what not. I get paid OK at work, but this car is literally kicking my ass.HELP.Edit: I feel like i need to clarify that i have left the faith of Islam, therefore your interest-filled advice is indeed welcome.Edit 2: I KNOW IT WAS A TERRIBLE IDEA STOP YELLING AT ME Im going to go get lunch drunk.Edit 3: Thank you all for being so helpful! Assistant: If its repod it will be sold at auction for likely less than you think its worth then they will come after you for the difference plus repotowingstorage fees. In most cases its a myth that allowing a repo will save you money in the long run especially if you are seriously upside down. Also, no offense, but your father is a terrible negotiator. Assuming this was a 5 year loan on a 20k car, you are paying the equivalent of about 30 interest.Human: None taken. Yeah, maybe I need to stick it out :  <response>: You are paying it off by 500 a month. If you wait a few months you will not be upside down anymore. You are currently paying it off much faster than it is depreciating. 