<prompt> Human: Traded a challenger with negative equity for the dart. Challenger was costing over 800 per month in fuel, insurance and payment. Rolled 5k of negative equity into the dart loan. Dart is a decent car, i dont have many complaints about it. Situation: new loan balance is 24k. Dart is worth 12.5 - 14.5k. Im upside down 10k approximately. Current plans of action: saving money to eliminate the loanvalue difference. Strengthen credit score. Currently at 733 with reasons to believe Ill be high 700s by 2017 Options that I can see: Refinance and keep it foreverTrade in for a tacoma, get 0 financing, pay at cost for base model, get fair trade in valueSell it privately, pay the difference and buy a cheap used car with cash. Other details: I make 55k gross, about 3500 take home with about 1500 in living expenses. 2k in disposable income. 3k in savings. I cant decide on what the best plan of action is. Any outside opinion or insight is appreciated.  <response>: Just keep it. You have 2k in disposable income. Throw 1k at the car each month. Youll be above water at the end of the year and paid off in 2. Drive it until it shits the bed. 