<prompt> Human: Im 23, and on my 22 birthday I got a decent paying job 1200 monthly and a new car, the new car was so I can go to work and do my deliveries. I bought a Mazda CX-5 2013, used, 80,000 miles. The price tends to be near 10 or 12000 used. But the car I got was from a dealer and and with a tag price of 21000, we put 3,000 down and 12 interest. At the moment I was so excited and made the mistake of saying yes. But i had started my job so I just wanted the car and wanted to get on my way out. Anyways. Im paying about 354 monthly. 75 months. So at the end Ill end up paying 27000.I still find it difficult to save money, and want to file for bankruptcy, any advice? Is it a good idea? Should I stick it out? I feel miserable  <response>: Bankruptcy is not an option here. 