<prompt> Human: Hi PF,I left a relationship about four months ago. Several months before the relationship ended, I financed a car for my ex. The loan is in my name only, and the title to the car is in my name. I rolled his previous upside-down car loan also in my name into this loan. the loan term is 84 months. 10 payments have been made so far. The loan was originally for about 49,000, and there is currently about 44,000 outstanding. The interest rate is 4.2. The car is probably only worth mid-20s if traded in.My ex has continued to make payments since we broke up, but its always a struggle. He is very bad with money, and I do not trust him to continue making this payments forever. Even if I did, I would rather not be tied to him for the next 6 years.Im trying to figure out what my options are in this situation. I understand what a stupid decision it was to take out this loan, and Im not looking for that to be re-iterated twenty times. Ive beat myself up over this already; now I want to find solutions.So far, the options I can think of are:1. Take the car back, trade it in, and try to get the remainder of the loan refinanced at a lower rate I have very good credit. This will leave me paying down a 20,000 debt with nothing to show for it.2. Refinance the car loan under both my name and my exs name. Is this possible? His credit is not good enough to take over this loan himself, which is why its in my name now. At least if the loan was in both of our names, he would also be hurting himself if he stops making payments. This is more complicated than option 1, but potentially much cheaper.Are there better options that Im missing? Are there any professionals that I could consult about this matter, like some type of lawyer or financial planner?Thank you, awesome people of PF!Assistant: If the loan and title are in your name, just take the car back regardless. I have no faith either he will continue to pay over 40,000 over the next 8 years on this. Then you have the choice of what to do with it. Do you already have a vehicle? Or is that why you are considering a trade in with it? Could you just keep it and drive it? It might actually be cheaper to keep it than take the hit on a trade-in value and then buy yet another car. Youre already on the hook for the debt regardless of what you do. Maybe just keep it if you can afford it?Human: I have a lease for my own car. The lease still has a year and a half left, and the total cost of the remainder will be a bit less than 8k. Im not sure what it would cost to break the lease. Ive checked my lease terms, but the part on early termination is pretty complicated and the exact financial implications arent clear.  <response>: You may also want to look into transferring the lease instead of breaking it. There are even services that can help you do that.Ive never used it, but a quick search comes up with swapalease in the US as a lease marketplace, or in Canada theres LeaseBusters I also havent used it. You might be able to get out of your lease without any fees, or for a very low fee.edit: or the dealership might even be willingable to help you transfer, instead of break. 