<prompt> Human: I got a newerused car December 2017. Ive put barely any wear on it besides going to work. I cant afford all my bills plus gas and groceries. If I were to skip paying my car payment 390 for 2-4 months I could find a car to get me to work. However, that would ruin my credit which Ive worked very hard to get back up. Im 25 and I dont feel prepared to be an adult! I have no clue what to do or who to call. No one can tell me anything besides itll be okay. The loan holder wont let me skip a month of payment, I owe more than its worth 18k vs 13k. I checked creditkarma and it tells me I can save money by refinancing but Im not sure if its going to lower payments enough to help. What do I do?  <response>: Side jobs or a second job. Dont refinance, unless its a must. Credit karma and others like it run a basic template which slightly changes for the numbers and credit and time. 