<prompt> Human: Ill try to make it short. Owned the same 20 year old car for my first 8 years of driving. Engine finally died so I figured I deserve to buy what I liked. Eventually chose a new 2015 Jeep Patriot. Total with tax was around 22,000, put 4,000 down payment and have been paying 280 a month for the past 15 months 4,200. I recently graduated college and my girlfriend just got a job in the city we live by so we decided to move to an apartment there. She already owns a paid off car and we will be a 5 minute walk from the main train system so we wont really need 2 vehicles at all. Im basically trying to figure out what my options are if I decide not to keep it.Assistant: Call the bank and see what they say.there isnt any easy option to get rid of a Car loan without hurting your credit score.Human: I was thinking about the possibility of selling the jeep to someone for maybe a couple thousand to get back some of what Ive already paid. Then they just take over the payments from there.Assistant: Your 3 best options Sell the vehicle yourself for as much as you can and pay the difference yourself. 2. Trade in the vehicle and let whatever vehicle your buying carry any negative equity. 2 big problems with this one. The vehicle you buy must have very high book value in relation to the amount financed for any bank to approve the loan. This means that even if you find a vehicle you can do this with you will be even more upside down then you are now. And that in most cases your monthly payment goes up either due to the interest rate being high due to the carry, or the term being less. 3. Simply keep the car, make the payments you agreed to and wait until you can trade out. Human: So say I find someone to buy it for 15k and owe 14.5k on the loan still. I could sell it, pay off the loan, and the remaining Id just keep?  <response>: Thats generally how money works... 