<prompt> Human: So my fiancé and I have some major problems financially right now due to a terrible car.We have a loan out with a credit union, which we owe roughly 9,000 on. The car is Terrible; we have spent almost 4,000 on it since lat fall. Our credit cards are almost maxed out due to mechanical problems. Our credit scores are not good at all now. My boyfriends score is poor, due to previous mistakes he made when he was younger, And my score is fair because the amount of debt I currently have. I never have missed a payment or anything like that. We need to get rid of the car, but we arent able to get a loan now for more money. We are both confused and dont know what to do.  <response>: Decrease expenses, increase income. 