<prompt> Human: Hi, I just needed some input I currently owe about 9,500 on my car. Its become extremely difficult with my current situation to keep making the payments and not being able to survive. I currently live in California I applied for the ebt but have been given extremely run around, the person in charge doesnt return my calls and when I go there they claim I have to make an appointment its extremely frustrating. My grandfather suggested I let the bank take my car back which owns my loan and hed sell his two cars and give me around 5000. To buy a car and not have payments. My question is what would the outcome be if they took my car back my credit score is really good at 670 so far. I havent missed any payments on anything but its getting worse every month. Any help would be appreciated and amazing.  <response>: Giving the bank the car will mean failing to pay the loan. So it will be a negative hit to your credit.How much is your car actually worth?If you keep your car and your grand father gives you 5,000 that could also cut your car payment in half. Could you afford your car then?If you do give the car back, why doesnt your grand father keep one car and give you the other to drive instead? 