<prompt> Human: Last September my girlfriend bought a 2008 Nissan Sentra from a shady used car lot in Latonia, KY Time Auto Sales, avoid this place like the plague. They absolutely took advantage of her lack of information about carsfinancing at the time and hosed her on a car loan. I wish I would have known her at the time and I would have strongly advised her against doing business with these shady used car lots, let alone purchasing this car. The car was in decent condition but had 100,000 miles on it, they sold the car her for 10,148 which is more than TWICE what the car is worth and financed it at an APR of 19.5, bringing the total to 12,821 with interest. She is to make 128 payments of 100 until February of 2020, this equates to nearly 400 a month which is nearly a 13 of her income. To state the obvious, she cannot afford this. I make decent money and I would struggle to afford this. I dont know anyone whose monthly payment is this outrageous for a car, and if it is they are driving a high-end luxury car. She has been paying on the car for nearly a year now and still owes around 7.5k.We have looked into refinancing the car with Navy Federal she is active Army Reserves, but they will not give her a loan because her payoff amount is more than what the car is worth they valued the car at about 4k in its current condition. The car has about 136k miles on it and is starting to rack up some maintenance costs. The muffler is rusting out this was something that was not disclosed to her at the time of purchase and she is going to need her front breaks done soon. I am afraid she is going to be stuck in an awful situation where her car isnt going to last much longer and she is going to be on the hook for the payoff amount of her loan with no car to show for.Besides refinancing, does she have any other options? I know there are some crafty and savvy redditors our there, I would love for your advicetake on this situation. Thanks in advance!EDIT: I appreciate all the constructive feedback! I realize my girlfriend made an awful decision and I am not denying her ownership of what she did. After coaching her up, she now understands the significance of her mistake and the financial burden that it is weighing on her.I am going to have her start with reaching out to her chain of command at her reserve unit and see if she can get pointed in the right direction. In the meantime, all she can do is try to get this thing paid down and keep up with the maintenance on her car, this will require her to work more hours pick up a 2nd part time job but she has to do what it takes.As a side note her ETS date is this September. She is considering re-upping her reserve contract for 3 more years and that comes with a 10k signing bonus, so this could potentially help.Again, I appreciate all the feedback, awesome community!  <response>: To be fair... its 2018. The internet exists. The fact that a functioning adult human looked at a soon to be 11 year old car with 100,000 miles on it and didnt at least google the cars value when told the price was over 5,000 isnt the dealerships fault... they sell things, people buy them. They didnt rob her.. 