<prompt> Human: Hey PF- my wife was diagnosed with cancer and is unable to work and is in the process of filing for SS disability. Back in 2013 we financed a car together but shes the main driver I have my own car that Im financing. We still owe about 17k on the car and according to Kelley Blue Book, its saying its worth 14k.We dont have the best credit in the world and were wondering what shouldcan we do about this? Were financed through Capital One and we called them looking to refinance to lower our payments but they said they dont refinance their own loans and then we tried our bank but got denied. I think I know what the answer is going to be were fucked, but I just wanted to see if there was anything else we might be able to do?  <response>: Is selling youre car out of the question? If hers is under water, what about yours? 