<prompt> Human: My 2010 Rav4 is currently valued at 13,200-13,900. My unpaid loan is 16,200. If I sell today Ill be about 3,000 upside down on my loan.Should increase my monthly payments to meet market car value or try to sell to private buyer? Or maybe trade in at the dealer that Im buying the 12k car from?I do not have an extra 3k to pay off loan. I can increase my payments from 330 to 500 if I decide to go that direction and not be upside down on my loan in a few months.Thank you for opinions and advice.  <response>: Why not just keep making the payments and drive the car?It doesnt matter if your upside down temporarily if your going to keep driving the car. The real benefits of car ownership comes in the years when your not making payments. 