<prompt> Human: I bought a 2017 Jeep Wrangler Unlimited Sahara. I currently owe 41K, financed at 84 months, paying 650 a month. These are not the best terms, I know. It was an impulse buy and I was stupid for doing it. I love the jeep, but I am so tight on money due to other bills that I am trying to figure out if I could trade it in for an older vehicle and get my monthly payment decreased at the cost of going upside down on the vehicle. The bank I finance with adds a convenience fee of 10 dollars every time I make s payment. Considering I do split monthly payments, I am pay 670 dollars just for the car and then another 75 for insurance. I simply just want to know my options. Any help would be greatly appreciated.  <response>: Its infinitely better to sell the vehicle now and pay the depreciation hit than drag out the loan for 7 years and pay north of 50k on a vehicle. 