<prompt> Human: I have an 05 Subaru Legacy gt. The engine and turbo is bad and I have a 12,000 estimate for repair from the dealer. The car is worth 6,000ish and I still owe 7,500 on it. I was hoping to have the car totaled due to the repair costing way more than the car is worth. But insurance tells me thats not possible since it wasnt involved in an accident. And I have a 2,500lb paper weight that I owe money on. I also called my loan holder and they cant do anything either. This car has been a headache since day 1 and I just want it gone. even If found a cheap mechanic I dont have the money laying around to fix it. I do have gap coverage So my question is how can I get out from under this car? Any solid advise would be greatly appreciated!  <response>: dealerWhy are you taking a 13-year-old car to the dealer? Find somebody that can drop a lightly used engine into it, which should set you back 3,000-5,000. 