<prompt> Human: Hi. My mother is a 52 years old woman. She got into a very bad business getting herself into a 16.56 APR car loan. I did helped her checking the numbers and we ended up un CreditKarma to check my credit score. Part of the suggestions was refinancing her car loan. I applied into this company named BlueHarbor. Does anyone have experience with this auto loan company? I want to be sure Im not getting myself into another nightmare . Edit 1: My income is very low. My financial status right now is precarious. I filled taxes with 8k as yearly income.Edit 2: From the great answers I am getting, Id like to remake my question: what should I do to fix this trouble. Should we declare bankruptcy and give back the car or what you guys recommend? Anything to fix this will be very helpfully Assistant: The car is new: Hyundai Accent 2016. My loan is for 18,360.41. No one would pay more than 12k for my car.  <response>: What in the world led you to pay 18k for a brand new car when your annual income was only 8k? 