<prompt> Human: So I am 3 payments behind on my car, now am no longer in possession of the car, and will somehow have to come up with 1700 to get my car back and reinstate the loan... However, I dont really want to reinstate the loan. The interest rate is over 17. The car will need about 4000 in repairsmaintenance over the next year, not including the 2000 I have already spent on it this year. My monthly payment is a quarter of my monthly earnings, and I really cannot afford it.I am now interested in knowing if there is an option of getting out of the loan that doesnt completely destroy my credit, which is already in the low 500s, so that I can possibly use this to my advantage to get out of the loan.I really appreciate any advice right now!  <response>: Nah mate your credit is fucked, 90 days plus repo. buy a push bike and use public transport to travel to work. I worked it Auto finance years ago. Most dealers would sell young 18 year old used cars with high interest rates.Let it be a life lesson. 