<prompt> Human: Let me just say straight off, I have searched this sub for advice on this topic, and I see the general consensus is to just suck it up and continue paying on the lease until the contract is up. Yet here I am, posting for advice anyways.My husband and I leased a brand new Kia Niro Touring in May for 512 a month. We convinced ourselves we could afford it and that getting an SUV was worth it since we have a toddler and plans for more kids. While we could technically afford it, it really stretched our budget and made it difficult to save money. My husband is active duty in the military and the main source of income for our family, but he is due to get out in a year and is considering using his GI Bill for college. If we go that route, our income will be drastically reduced and Im afraid we wont have enough to pay 500 a month toward a brand new vehicle. As is weve both picked up part time evening jobs alternating nights so that we dont have to hire a babysitter so that we can continue to save as much money as possible before he gets out of the military.What is the best course of action here, considering our future income uncertainty?Tl,dr: Leasing an expensive car that we can currently kind of afford, but in a year may no longer be able toAssistant: First of all, are you sure its a lease? Assuming youre in the US a 2017 Kia Niro Touring with all options has an MSRP of less than 34000. That on a 5 year loan at 4 which is for lower credit and nothing down is 670 or so. And NO ONE ever buys or is it ever advisable to buy Kias at MSRP. Walk-in to a honest dealer and youre already looking at 7-10 off. If this a lease, the dealerfinancial institution has taken you for a ride. Get rid of this bad situation would be my suggestion. DO NOT lease without doing your homework. Whats the terms and money factor? Looks like youre getting shafted if its lease. Find out the early buy out, secure the least possible interest possible and buy it out would be an option. Not sure if its even possible to sue for predatory financing. Look at all the paperwork and see whats the cost of getting out. Sell it private though may not make even the costHuman: Yes, absolutely certain its a lease, and after getting home my husband did some more research on this specific vehicle and found out what a terrible deal we got which was our fault in the first place because we didnt do hardly any research before going as it was just to look.Were going to be calling Kia Finance and the dealer to see what kind of fees money is involved in breaking the lease early and go from there. We have certainly learned our lesson and hopefully we havent screwed ourselves too bad. Thank you for your advice  <response>: You cant walk away from a lease, youre liable for all the remaining monthly payments. The BEST you can do is trade it in and roll over the negative equity, and theres going to be a lot of it. Your credit, and the value of the new purchase is going to determine how much negative equity you can roll into a different vehicle. The most you can expect to get for a used 2017 Kia is about 60-70 of the original purchase price. As youve already found out, there are no KBB values for current model years. Generally, the retail value will be 80 of invoice not MSRP. 