<prompt> Human: I owe 29,000 on a 2014 RAM 1500 that I bought last year. Interest rate is 6 and my monthly payment is 517. Take home after taxes each month is around 2300. I wanna get rid of this thing ASAP. It was a mistake. I am in a job now where I am fully reimbursed and encouraged to utilize public transportation, which I do daily. The truck literally just sits in my driveway, a daily reminder of a giant financial mistake.This truck is the only debt that I have no CC debt or student loans etc., but I do have some rather costly monthly expenses.Rent - 1100moCar Insurance - 180moPhone - 50moGroceries - 100mo roughlySince its pretty difficult for me to throw extra money at this truck each month without putting myself in a danger zone for the rest of the month, I am living paycheck to paycheck and I hate it.I have considered taking out a personal loan to cover the difference and selling it to CarMax. As far as privately selling it, I just gave up after 3 months of dealing with shitheads on Craigslist who completely wasted my time. I have decided I would rather just sell it to CarMax.CarMax has given me an offer of 23,000, but obviously I need to make up the other 6k somehow.Im waiting on some loan application responses from a couple banks, but LC and Prosper have offered me loans with interest rates of 24 and 27... Now, Im not very financially savvy, but Im pretty sure that is a bad idea... Right? Should I just ride it out and accept that I made a costly mistake? Really dont know what to do.Thanks in advance.  <response>: Youre on the right track, sell it ASAP and get a loan to cover the difference. If you throw what you were paying insurance gas any extra you can scratch together at the personal loan, youll bust it out in a few months and be done with it. But dont drag it out, knock it out hard and fast and the interest rate wont matter. 