<prompt> Human: Hi all, Im posting on behalf of my girlfriend who is in a bit of a bind. She currently lives in Edmonton and owes 60k on a vehicle valued around 42k. She is not particularly well versed in dealing with dealerships and banks, but she believes trading in the truck and adding the debt to a different vehicle under 15k is her best option. Her current income is approximately 45k. Yes I know it was a terrible decision on her part - its something she did before I knew her and she is now coming to her senses. I live in the US and dont know if things would be different in Canada at all, but Im not certain of what to recommend to her as a best option since everyone at the dealerships will try to screw her further and I cant be there to help. Any advice on her situation would be much appreciated!  <response>: Either way she is screwed.15k Car 18k makes her way underwater as well.Trading in the truck has to happen, but good luck to them agreeing to it. 