<prompt> Human: Happy Monday, personalfinance!My live-in girlfriend and I are thinking about getting rid of one of our cars, specifically mine.I work from home and rarely drive somewhere during the day. We live in San Antonio, and Uber and cabs are relatively easy to use. When were not working we pretty much always do the same activities and hang out together.My car and insurance payments are about 800mo right now. Hers is 300.The issue I have is that I bought my car new in 2014 and currently owe 22k and it is worth 18k according to kbb.com. So, as I understand it, I cant really sell it to a third party because I cant get the title without paying off the loan. Please, correct me if Im wrong, or alternative suggestions.Can I sell it back to the dealership and work out some sort of deal with them to pay off the remaining 4k? Or could I do that with NMAC?Obviously, were looking to save about 500-800 a month here. So any suggestions would be greatly and graciously appreciated.Thank you in advance.  <response>: Yes, you cant give the clear title to the buyer without clearing the loan. Head down to the credit union and see about getting a 4K unsecured loan to pay off the difference. 