<prompt> Human: So in 2015 I was 19, my mom financed a car with me as a co-signer through Wells Fargo. I had no credit at the time.She was making her payments and my credit peaked at 685 at its highest towards the end of 2015. Fast forward to today, where im now 22, and she has missed an upwards of 10 payments and my credit is now 450. The only thing I have ever been able to get approved for at this point is a Capital One Secured Card. I have tried to get off this loan multiple times but I was told she would have to refinance the car, and at this point her credit is just about as bad as mine.Is there anything at all I can do? It would be nice to be able to buy myself a car at a dealer or even just get a friggin Discover card at this point. Im at a loss and dont know what else to do.Assistant: I have to imagine you are underwater on the value of the car vs the term of the remaining loan amount? How many years was it financed for? Can you pick up a second job to quickly throw all the money at the car in order to get it payed off more quickly? After missing 10 payments how has the car not been repossessed at this point?Human: Also its a 2010 Toyota Camry Base in excellent condition, and the interest rate is somewhere between 3-8, with 60k miles  <response>: Well the payment is super reasonable and that car will last forever if taken care of. The bad news is it has about 2.5yrs of payments left on it. The good news is you could probably sell it around what you owe to private party sale. Assuming I got the specs correct KBB lists the vehicle at 8,697.Private Party Value Range7,983 - 9,410You could attempt to sell it and settle up with the bank, but not sure what you would do for transportation in the meantime? 