<prompt> Human: Im in canada.I owe 40000 over 7 years and my monthly payments are around 500month.Gas and insurance for the car come to around 500monthCar has negative equity.I cant afford this vehicle anymore because I changed jobs. Ive had the vehicle since October. What are my best options?  <response>: Best depends on what you are trying to maximize. If you want to maintain good standing with creditors your best bet is to sell the vehicle and repay the loan. 