<prompt> Human: I owe 24k 11 on a good 2013 Honda CRV I bought 21 months ago with negative equity. Should I just keep chipping away at it, enter into a new Subaru lease to get rid of the debt over three years, or chapter 13 for a better rate and keep it? I have 3k in cc debt, 50 in student loans, 160 in a mortgage, a great job, good 401k, and no liquid savings... getting nowhere fast. Im 40. What should I do?  <response>: Pay off the loan ASAP!You have a good job? Start putting your money to the loan. Where is your money going? Meals out? Alcohol? Vacations? Whatever it is going to stop doing that and start putting it into the loan.You have a very high interest rate and are underwater. Get your financial house in order! 