<prompt> Human: First of all, thank you all for helping and Id appreciate no judgement or criticism here; Ive heard enough of it lately and I completely understand the situation Im in, I also know it could have been avoided several times, albeit. Live and learn, right? Its a bit of a spiel so thanks again for reading...Anyway, Im 23 and Im a Paramedic for a rural ambulance agency. About 2 years ago in the fall, I got my first vehicle, a 2012 Dodge Charger. Its my baby and after sliding around in that all winter, I decided it wasnt entirely practical where I live. I was also starting paramedic school at the time. I was fine driving it most of the following year, but as winter approached again, along with required vehicles and clinicals being 4hrs away in the city, I needed a reliable A-to-B ride and something that could handle the winter. I ended up getting a 2013 Dodge Avenger FWD, and from DriveTime of all places. The Charger ended up being parked and I took the Avenger to school, work, hospitals, other Fire DeptsEMS agencies, etc.Medic class finished about 7 months ago, and I started to have more breathing room financially. My sister who lives in the city needed help with another car her and her husband shared a car, worked opposite schedules, have 2 toddlers, etc etc her problems. She was willing to take over payments, pay me monthly, only wanted the title after the loan was paid off. Shes my oldest sibling, and the most responsible at the time, so I figured I could trust her. I went to start to use the Charger again kept it under covers; again, it was my baby, but it ended up housing a bunch of mice during the winter months and that was some costly detailing, decontaminating and repairing that took some time to deal with mostly due to the dealership along with me having to save up to make payments on all of that to get it back. I was car-less, and the dates on repairsetc being completed kept getting pushed back. My sister eventually offered to co-sign for a new used vehicle for me, as she was taking over the other one. Sooo my dumbass ended up getting a 2013 Camaro...Sister ended up getting addicted to crack, lost her husband and kids, and couldnt afford the car. I took it back, and thought all was lost when my older brother offered to take over again, super responsible, drove an old beater, etc. Until last night, where I got a phone call from the ER saying he was brought in by police he bought a pistol, him and his gf were going to off-themselves...she was successful and he witnessed. Hes now being transferred to a psych facility. So, Im now stuck with 3 auto loans. I have another brother last sibling I promise lol who works alongside me at EMS we went through medic class together, and between this brother, myself, and my dad, we split bills at my parents house amongst our other personal financial obligations...I make 17hr, with a minimum of 96hrs a pay period 4 24hr shifts. So about 2900 after taxes a month. Ive been getting lucky as of late, getting at least an extra 24 or 48 a pay period of OT, but as thats not always promised well base it off a typical 96.Monthly expenses include:200 for cell phones I cover the households plan180 for dishinternet330 insurance for the cars330 Camaro payment307 Charger payment385 Avenger payment80 credit card paymentCharger payoff is 13,366.48, costing 307mo. Its my baby as Ive mentioned, and as its been kept under covers and had great upkeep before and after the rodent incident, its worth the most. Its been appraised at dealerships with offers anywhere from 10.5k-11.5k, given excellent ratings each time. Ive posted it on craigslist with no bites yet.Avenger payoff is 13,770.18, costing 384mo 192 bi weekly. Great car, but Drivetime deals through income instead of credit so the interest rate is atrocious. It has about 8k negative equity.Camaro payoff is like 17.9k, costing 330mo. Its in excellent condition also and has like 8k negative equity...I know.Ive been saving aggressively and come towards the end of July, was thinking of selling the Charger to Carmax if it doesnt sell privately. I dont know what theyll offer, but Ill be able to eat about 5k towards that payoff depending on their appraisal.As for the Camaro and Avenger, I dont know what to do. I was considering a personal loan of about 10-15k, but Ive no idea how to disperse it between the two, or if Ill even get approved credit karma says I have good approval odds through Avant or One Main; with payments of 212mo but ridiculous APR of like 29 or some shit. I feel Carmax would take the Camaro also if I ate enough of it.I need help, guys. This shit stresses me out to no end and Im beyond frustrated and have no one else to turn to but the internet lol. TL;DR: I trust too much, made 23yo decisions and got shafted with 3 auto loans. Feel the walls closing in financially.  <response>: To sum up, you have 35K income with 45K in loans against three cars with 18K in negative equity. You need to make radical changes.Id sell all three cars, sell everything you own, and end up with maybe a 15K personal loan with that atrocious interest rate. Public transportation is your new friend, and you can put this mess all behind you in 2-3 years by living like a Spartan.Option B is bankruptcy. Consult an attorney but its unlikely youd end up able to keep the cars. 