<prompt> Human: Hey folks. I have a friend who has a Nissan Altima that she owes 9600 on. She cant afford the payments anymore due to not being able to work. She has another car she can use. Its worth 6500 to Carmax. Private sale at most might get 7000.Her goal is to get out of it as best she can without having a repossession or charge-off on her credit report. In my younger years I had a car repossessed and I got a bill for the difference from what it sold for at auction. Her finance company is telling her that once it cars taken back, her credit report automatically will say repo. Might be kind of a scare tactic, I dont know for sure. Shes willing to be responsible for the dollar figure difference from what the car is worth and what she owes, so she not trying to get away scot free or sneak out of the responsibility.Any suggestions to working something out without ruining her credit? Thanks in advance. Its not me!!  <response>: She needs to find a way to come up with the 3k difference in priceloan, in cash. Empty savings, personal loan, borrow from friendsfamily, sell stuff on Craigslist, sell plasma, whatever it takes. 