<prompt> Human: So, my mom found out she had breast cancer last year. She had a pretty rough go with it and now has one test left and she should be cancer free. Bad news is she got into financial trouble from all of this. The hospital she uses and now her disability from an unrelated injury have paid a very large portion of her medical bills. Now that she is on disability she cant afford to make the payments on the car she has had for a while. My car is almost paid off. I have 2 payments left. She does not want to lose all the money shes put forward on the car and has suggested that I take her car which is an upgrade from mine and give her mine. Then I could finish the payments. My credit score is pretty bad, I had to get a co-signer to help get the loan for my car. Im slowly trying to recover from the mistakes I made. I dont know if I could get the car refinanced or put it in my name or even if there is another option all together. I also just got promoted at work and could afford the car. I would hate to see all that work go to waste. Also, what medical bills she has left are still pretty significant. They are going to put a lean on her house for the remaining. Any and all advice is appreciated. If you need more info please ask. Im not sure what all would help. We live in Kentucky if that helps. Thanks in advance. Edit: Ok, a lot of questions here Ill try to answer them the best I can. First, its my mom, I love her and she has helped me many times and I want to return the favor. She only drives to like the store and back so she would rather I pay the car off and have the nicer one. Second, I have an Infiniti G20 2001. Hers is a Nissan Sentra 2008. Im not positive on the entire amount she owes but its less possibly much less than 6000. We will find out soon. My car isnt a beater but it does need work and we live in the same town so I could driver her anywhere if there is an issue with my car. From what you guys have said it seems the best idea would be to keep the cars under their current ownership and I finish paying hers off. Finally, her car payment is a little higher than mine but with my recent promotion I should be able to budget it in. Ill be making 33,000 once this promotion starts next month. Additional questions:If I take this route what should I know about insurance and so on for the cars as they will have different drivers. If Im able to refinance hers after mine is paid off I may be able to pay mine off on my next payment. How would we go about exchanging cars without accruing a bunch of fees?Thanks again for all the help. I love that there is a serious place for this type of information and so many willing to help.  <response>: She does not want to lose all the money shes put forward on the car Then she can sell it. She can use part of the money from the sale to pay off the rest of the loan and then use the rest as a downpayment for a much cheaper car.If the potential sale price of the car is less than what she owes, then she has already lost the money she has been paid so far and giving that burden to you does not make that fact disappear. 