<prompt> Human: First off a little background - back in May 2016 I bought my first car. Cost me about 14k, which I financed for 72 months, paying 235 a month. At the time, I could afford it. But recently, Ive been bouncing between jobs, as well as balancing my freshman year of college. The payments, as well as 120month insurance is becoming too much for me right now.My car now is worth 10k per KBB online estimator. I still owe 13,427.34. Im considering trading in my car for a used car which is priced at 8k. I know I can talk the price down a little bit, but would it be worth trading my car now for this one? Getting my payments below 200 is my goal, but at the same time I dont want to kill my credit.  <response>: You want to go upside down on a car to save 35 a month? If thats the case, it doesnt make sense to do that. Talk to your insurance company and see if you cant get that lowered at all. Maybe look at some other bills or entertainment and remove 35 from that. Get a job and keep it. 