<prompt> Human: Hey redditors. While I was out of town on business my girlfriend was in a bind when her car died. She was only 19 at the time and didnt have anyone to co sign or help her find a good deal.Low and behold she goes to the crooks at JD and they upsell her a 2002 Chrysler PT Cruiser. All she knows is that her payments are 155.72 biweekly, and it puts her back on the road so she can get to work so shes happy.Well I looked at her paperwork and found out that she paid 10.5k for the car and the bank gave her a high risk loan at 20.99 interest. Sooo in all at the end of the 3 year loan she will be paying 17.5k for the car.I went to KBB to get an idea of what the car is worth...around 3-4k. Sooo they ATLEAST doubled the price of the car before they sold it to her on top of a rediculous loan that is now crippling her.I want her to default on the car. I can buy her a cheap 3k dollar car and have her pay me monthly for half the cost of what the bank is charging her. Can anyone give me options or ideas? Should she seek legal council? JD was obviously taking advantage of her being an unknowing young girl that had an obvious need for a vehicle.  <response>: Over 350 a month for a 10 year old car? Does your GF have absolutely no concept of how much cars cost?The best thing you can do is refinance the loan so at least she will be paying a normal interest rate on the car price she agreed to. Theres nothing illegal about selling something for more than it is worth. 