<prompt> Human: Hello, first time poster here. My wife and I both have new cars purchased in the last two years. We want to remove this debt by selling them and switching over to used cars, thereby removing monthly payments. How is this done, and is it a realistic goal? Thanks!  <response>: You just need to find out if youre upside-down, and with new cars just 2 years in, you probably are. Just check the value on kbb.com vs what you owe. Hope you paid a bunch down. 