<prompt> Human: UPDATE: Thanks for all the advice. I pretty much knew that the only option was hammering away as much as possible, I just wanted to make sure there werent any ninja tricks that I didnt know about.I appreciate the help. My wife and I have two vehicles:An 07 Yukon thats worth around 13k, but we owe 18k, and an 08 Jetta thats worth about 4K, but we owe 11k. Our monthly outgoing for these plus the insurance is 800. We only need 1 vehicle. Do we have any options to lower our monthly outgoing or to get right side up sooner than later? Could we trade both vehicles in on a single vehicle and just refinance the upside down amount? Or are we just fd and need to pay as much on the loan as soon as possible?  <response>: Being right side up isnt really a meaningful thing. It doesnt make that much of a difference how much your equity is. The only difference it makes is how much you owe if you want to get rid of the car.You might try getting a loan from a credit union for 5k and then getting rid of the Yukon. That would leave you with the Jetta and a 5k loan that you dont have to pay insurance for.Ultimately, the outgoing probably wont change much this way, though. It would really only make a difference after you paid back the 5k bank loan.I wouldnt advise to trade in both of those vehicles for another one. You would likely be upside down upwards of 20k after doing this if they would even let you. 