<prompt> Human: My girlfriend has a 25 precent car loan its the worst thing Ive ever seen. I was wondering about options or anything that could be done about it Ive really only bought items and cash and dont know much about refinancing or what could be done to improve the current situation. Assistant: My guess is her credit is in the toilet and its a buy here, pay here type of place and she overpaid for the car. They are charging her a high interest rate because shes a high risk individual.Depending on how much the loan is, you can loan her the money at 0 and just have her pay you back whenever.Human: The loan is 20,000 its a brand new car. The payment is 500 a month for a Toyota I just find it ridiculous.  <response>: It was likely a poorly researched decision, no one in their right mind would do it if they had all the facts. That. Is. Painful. 20k 25.The only way to improve that is if she refinances, likely needs to be done with a co-signer. But as you mentioned below, no one will make that loan since its under water. 