<prompt> Human: I 28M was in a pinch 3 years ago.. needed a car, my car from high school broke down on the way home from my hour commute to work. I had no savings for a downpayment on a new car and my credit, was not great due to some student loan payment issues I had initially when exiting college.I purchased a car from one of those everyone gets approved places. They sold me on the monthly payment, what can I afford... I was able to afford up to 450.. so they sold me a car 447 per month, I was a bit naive at the time lets just say that. I have since come to my senses and realized how outrageous the 17 interest rate is and value of the car vs. money left to pay on the loan is. I have paid to date 19,000 and my current payoff quote is 11,750. The car was never worth over 30K. MSRP was around 19K when I purchased that car. The KBB value of the car is only at 5K today. Would I have any luck playing hardball with Capital One? I am now in a place in my life financially to say to them, I can pay you 5-6K to pay off the loan balance, otherwise I will stop making payments and let you take the car. Which Im not sure they want because it is only worth 5K at this point. I also dont think I want to refinance at this point in the loan. Bottom line, I dont want to pay 11K more on this car if it is only worth 5K.. the car is underwater and just not worth it. Assistant: You signed an agreement and will likely have to honor the terms of that agreement. Theres really no re-negotiating the terms of that agreement. You can try, but be prepared to not get anywhere with that negotiation. As for threatening non-payment, they will very likely re-possess and you will be without a car and with worse-off credit.And you likely wouldnt be able to re-finance unless it was with a personal loan, which is lower but isnt much better than 17. A lender is likely only going to lend you what what the cars worth or slightly above, not more than double what the cars worth.Human: So I am essentially stuck with paying the next two years nothing but profit to cap one. Ive already paid for the MSRP of the car.  <response>: Yes. You made an agreement to pay X amount a month for X months at a rate of X. If you dont want to pay the interest, pay off the loan quicker.What amount you paid and how equal it is to MSRP in this case doesnt matter. And youve paid interest alongside principal, so the 19,000 youve paid thus far isnt simply principal. 