<prompt> Human: so, I bought a 2015 kia optima in November. My loan is higher than what the car is worth because i had some negative equity from my previous car, taxes, fees, etc. My car is currently getting appraised for around 11,000, but the sucky part is I owe a little less than 15,000 on it. Ive had it listed privately online for months and nothing. I am possibly moving to Chicago where I will not need a car, so for me to keep the car and continue to make the 290 a month payment plus insurance seems unnecessary. What do you guys think? Should I keep the car and make the payments or sell the car and eat the difference in what I owe?side note on my finances: i have 1 year left of undergrad and currently work in hospitality to make ends meet. my car payment insurance ends up being around 30 of my income every month.  <response>: The car will only lose more value... Eat up that 4K 