<prompt> Human: In January 2014 I made possibly the dumbest mistake of my entire life. I had a nice car that was two years away from being paid off, but still have a lot of negative equity. I was thinking about how nice it would be to drive a better car and went to look. Needless to say, the extremely high-pressure salesperson roped me in and I walked out with a new Toyota Camry.Unfortunately it was on a 7-year loan and the payment is almost twice what I was paying on my previous car. Nearly 15,000 worth of negative equity from my previous car was rolled into this one. Today, this car payment takes nearly all of my disposable income. I was only about six months into the loan that the new car excitement wore off and I knew how screwed I was.A little backstory. I moved from a coastal city I loved back to my small hometown in 2012 because of the economy. I ended up with a very decent job here in this town, but I absolutely hate living here. I hate it with a passion. I would move, but unfortunately my car payment is preventing me from leaving. I cannot save to move when all my money is going towards this car and even if I did move, any savings I have would be quickly depleted by it. To make matters worse, if I was to lose my job, which there is a chance I could, I wouldnt be able to find anything else in this little town where I would make enough to be able to make my car payment. The car will not be paid off until 2020, so between now and then I better hope my financial situation doesnt chance because even now, I am barely making ends meet. I cant afford things like hobbies, travel, or furthering my education because once again..this car payment. This car has become my life and it has ruined my life.Its like rubbing salt in a wound when I consider the fact that in 2014 I already hated my life and where I lived and knew I wanted to save to move away, yet I bought the car anyway. I signed away six years of my life, good prime years, for a Toyota Camry. I was stupid, very very stupid. Ill never get these years back. A car, especially one I wasnt even sure I wanted, is not worth that.I have considered all my options; selling the car, refinancing, etc, but with over 10,000 worth of negative equity, I have no way out of this car. I could trade it for a lease, which would help dismantle the negative equity, but by the time the lease runs out, I would be close to having the car paid off anyways so I dont think it would be worth it. My only out that Ive thought of would be voluntary surrenderrepossession, which would destroy my credit. Believe it or not, this is something Ive really considered and would do if having a repossession wouldnt have such dire consequences on my future...such as finding another job after I move to a new city.So at this point, is my only option just to stick with the status quo until 2020? Am I overthinking the impact of voluntary repossession?Thanks for any replies.  <response>: You told a long story, but provided very little details. Income? Payment amount? Car value? Total left on loan? Interest Rate? Overall budget numbers? 