<prompt> Human: She currently owes 8000 on a car valued between 3500trade in 4500KBB. She bought the car before we met and did so under the worst circumstances. Think single woman walking into a dealership asking Help me I need a car today. The short story is she overpaid and didnt get great terms 8 72months. Knowing we are around 3500-4500 upside down the options I see are...1. Suck it up and pay it down until we are above water. I think by the time this is the case most lenders would pass up on refinancing a 7 year old car. Correct?2. We expect to need to replaceupgrade her car in the next 2 years getting married and the possibility of kids. Is there a potential down side Im missing to trading in a car you are upside down in. Wouldnt they just roll in negative balance remaining on the loan into your new purchase? I realize this would of course make us start with negative equity... But would the amount transfered be under the new loans APR? Im wondering if this is a way to reduce this rate from 8 down to something in the 2-3 range.  <response>: You have two years to pay it off so you dont have to start upside down in another car. That should be plenty of time. 