<prompt> Human: I bought a 2016 Dodge Dart in Nov 2015. Sticker price was 19k and the salesmen worked one over on my naivety and my total loan was 26k at 11 interest. I regretted it as soon as I pulled out of the dealership. So Ive been paying 540 a month up until now. My payoff is 21k and some change. Ive tried refinancing through Capital One and my insurance company, through Regions bank. They all say they cant help till I get the payoff down. Right now the KBB is 15k. Any advice other than paying more than 540 each month, which is really preventing me from saving anything. TIA.  <response>: You bought a Dodge Dart for 540 a month?Wow. Can you sink an extra 60 bucks into the payment? If so, do that. Pay it completely off. That might take awhile, but thats what youve gotten yourself into. Drive it into the ground which isnt hard for a Dodge and years from now when youre shopping for a replacement dont do this again. 