<prompt> Human: Hey all.My girlfriend has a 2014 Honda Civic that is killing her with debt. Here are the numbers.Original Amount: 21,497.16Interest Rate:13.500 APRLoan Term:72 MonthMonthly Payment: 439.53Interest Paid YTD: 859.71Interest Paid in 2015: 1,071.06Total Interest Paid: 1,930.77Total Principal Paid: 1,145.94The bluebook value of the car with her mileage seems to be about 12.5kShe co-signed the loan with her father, and according to her The Salesman saw him coming. The last time she checked her credit about a year ago, it was 750, and her father was a little higher.At the time, she had a job that could afford the payments easily, but life happened and she works at Subway now, and her take home average is 245. Shes actively looking for a new job, or a second job, but, well, you all know how it can be finding a job.Either way,13.5 APR seems pretty high, and its rough for her to make rent with this massive relative to her income and the car debt.From my understanding, even if she sold the car for close to Bluebook, shed still owe 8k to cover the gap between the amount owed and the amount the car was paid for, on top of the cost of any car she bought that would be cheaper. Would it be cheaper? Possibly, depending on the car a nice used car for like 5k would mean shed go from 20k to 13k but would still likely require a large amount of cash upfront, not to mention the warranties that she still has for any work that needs to be done would no longer apply, so everything would end up being out of pocket.This kind of situation cant be totally uncommon, so Id like to know if you guys have any suggestions as to options. Can we lower the APR somehow? Refinance?I appreciate the time it took to read this, thanks!Assistant: Regardless of the interest rate, you cant afford a 20,000 car working at Subway. That is ridiculous. Go to a place like CarMax and see what the actual value would be. Hopefully, she could sell it, borrow the difference and get a bike. Human: So, say she sold it for 10k private or dealer. She now has 10k of the 20k she owes. Does she give said 10k to the bank? Does she use part of that 10k to buy something cheaper outright with the remainder going to the bank?? Bike isnt an option here in AZ, and not for the distance to her current job.By borrow the difference, you mean get a regular loan for the difference and pay back the car loan with that, and pay the regular loan at a hopefully better APR?Checking CarMax now, thanks.  <response>: Are you sure on the KBB price? You did private party, right? Honda Civics usually hold their value. Unless she has a ton of miles, I doubt she isnt that underwater. Also, she makes almost nothing. Cant she find a job close to home that pays the same so she doesnt need a car? 