<prompt> Human: My girlfriend has a 2010 Subaru that she owes about 10k on but the car is only worth 6k or so and we would like to get her something newer. What are her options to get something better when already upside down?Assistant: The dealership will roll the negative equity into the new loan.That being said, why do you want her to be in more debt - upside down on a new car before she drives it off the lot?Human: She thinks the car is going to die soon.  <response>: That is very unlikely. 2010 is a young car. Subaru and Honda and Toyota make cars that can easily last 20 years with proper maintenance. What makes her think that? It is not a good financial decision to try and trade the car in and roll it into a new loan. 2010 is a prefctly acceptable model year to be driving. Id recommend staying with the current car, learning the lesson about overpaying for a used vehicle and driving the car until it literally cannot be driven anymore. Theres no reason that a 2010 Subaru cannot last another 5-10 years and go to 200k miles. 