<prompt> Human: I am unable to afford the car I got 2 years ago. My wife and I have been struggling to make ends meet for months now. The loan company helped us out a bit but its to the point of both of us looking at second jobs just to be able to pay our bills. We have cut back on everything we can. We use her moms NetflixHuluetc. My credit sucks and since only my name is on the car itll only affect me. My credit score is 480-505. After looking at our options this was the last one we could do which is return the car and buy a used car from a friend of her moms for dirt cheap. If I drop the car I get 420 plus 178 for insurance. I know the used car isnt going to be as efficient or as nice as the current car but we cant afford it anymore and I am planning on taking it back to the dealership. What steps do I have to take when I get there? Does anyone know?Ps sorry for the half ramble. Ill try and make responses more coherent.  <response>: I suspect, you will be responsible for the loan regardless if you take it back or not. You might consult with a public credit counseling service about your options. 