<prompt> Human: My 79 year old grandmother bought a car last year and added on a 4500 service warranty. She didnt put any money down on this car. The loan still has about 20,000 left, and the car is only worth about 9,000. She cant drive. She is moving into an assisted living home and she pays 370 a month for this car plus about 150 for the insurance. What the heck do I do?  <response>: Thats a big amount to be upside down. If it was me at 79 Id just default and let them take it. Not like Ill be looking to get new credit when Im headed to assisted living facility. 