<prompt> Human: Ok so about 2 years ago28 months to be exact My brother got his first car. This being his first car he went to the dealership picked a car2007 Dodge Charger told a salesman he wanted the car and didnt negotiate the price of the car. The salesman seeing that he didnt put up a fight at all over the price could probably tell that it was his first time buying a car so he took advantage of that and started shoving all kinds of useless add-ons and warranties down his throat which my brother ate up. So fast forward 28 months and he still owes 20,878.75 while making payments of 600.15 each month and estimated to finish paying it off 6292019 realizing how screwed he is he tried to get it refinanced but couldnt find anybody that would refinance it. so today i come home from work to find out that he is going to trade in his car and get a truck and has this sheet with all the info on it. what i want to know is if him trading in the car is better then him keeping it? it seems like he is just making the situation worse by trading it in but I know nothing about this kind of stuff since i dont even drive yet.  <response>: You need to find some way to talk your brother out of this. He is going to end up owing 35k on a truck worth 20k after a year. This is going to set him back for a long time. You are a lot younger than him so it is unlikely that he will be willing to take advice from you so you may need to find someone who he respects, maybe a family member or mentor. 