<prompt> Human: Good afternoon, rpersonalfinance. So nine months ago I made a poor financial decision, especially in the setting of my life. Im currently in graduate school and will graduate next year with a starting salary of around 50-60k per year. I get quite a lot in loans to live off of about 30,000 per year and I have been wholly irresponsible with how Ive spent that money. To be specific Im in medical school and the field I will go into after 4 years of residency should at the very least result in 180,000 per year of pre-tax income.As I approach real life without the monopoly money our government is happy to hand out to idiots like me, it is apparent that I need to drastically change my spending habits. Managing my massive student loans is a whole other beast, so I would just like to focus on the car for now.I bought a new 2016 Hyundai Accent in August of 2016. 16,000 dollars, put 3,000 down and have the rest financed through a 6 year loan at roughly 7 interest I dont have the documentation with me. Payoff amount now is 11,800. Trade in value for my car according to KBB is about 8,000, private seller is 10,000. On the plus side, the car sips gas, is comfortable enough, and has a 10 year100,000 mile warranty for engine and drive train..the rest of the car is covered by a 6 year60,000 mile warranty I believe. But with insurance, I am paying 280 a month to drive a Hyundai Accent...with no actual income.What should I do? What other information is needed?One last thing of value I learned is never to go to a car dealership sleep deprived and without doing the proper research into a vehicle. I initially was looking at used small SUVshatches but then ended up buying a brand new sedan..if I would have been researching sedans from the get-go instead of realizing at the dealership that a sedan was what I needed this wouldnt of happened.  <response>: The problem isnt the car, its everything else. If you had decent credit you could refinance. You got a new car for under 20g that is a miracle. 280 a month is not that bad.You have no income, so get income. 