<prompt> Human: To start off, I filed for bankruptcy 2 years ago. Chapter 7. No debts owed. Medical debt from breast cancer...kicked my ass. I took this vehicle and loan because frankly, it was the best I could get. Current loan has 24 months, 14,127 left with a 14 rate. The car has been smashed four times now. None of it my fault. Just people not paying attention or WIERD stuff like an elderly person accidentally revving over the parking brick and slamming into my vehicle because they didnt let go of the gas wtf. One of the accidents totalled to 10k. Im now 7-10k in the hole with my car. Based on kbb and Edmunds Vin search. I bet any dealership wouldnt offer me that however after seeing the accident record. : Unfortunately none of the accidents were small enough to avoid insurance and police reports. Im really not sure what to do. This car is worth very little now. Should I pay the difference of the debt and try to refinance? Should I try to trade in and make a large down payment? My credit is at 650 now. Not the greatest. I do have the cash to buy the car out but I really dont want to keep the car. Its a ticking time bomb Im sure. Any advice is appreciated. Ive been doing everything I can to raise my credit. Never missed a payment ever. That I can say Im proud of.  <response>: Pay off the car today. That is an awful interest rate.Because of your bankruptcy, no one is going to give you a decent rate. Drive the current car while you can and save up for the next one to pay for in cash. Your next might only be a 3k car, but at least you wont have a car payment. 