<prompt> Human: Some background, a year ago my gf bought a used Chevy Spark at a CarMax. I told her she should get a clunker at an auction, itd be cheaper to pay in full and do some repairs. She really wanted the Spark tho, but she had no credit so she asked her dad to co-sign. His credit was shit, and she came home with 11 APR.Shes paying 256mo for 5 years. Its been a little over 1 year and the car is at 70k miles 29k when she bought it, I have a strong feeling it will fall apart soon after shes done paying it off.Is it too late to cut our losses and run? I bought my car outright, I dont know what kind of feespenalty there is involved with giving the car back to the dealership.EDIT: Well fuck me lolEDIT 2: ty for the responses, looks like were keeping it. On the bright side, I get to apply a heavy dose of I told you so  <response>: giving the car back to the dealership.This is not a thing. You can look into refinancing at a lower interest rate but thats unlikely to happen given the value of the car. 