<prompt> Human: Im completely lost here and have a few small ideas of what options I have but when it comes down to it Im an idiot and want to refrain from making any more stupid decisions. To keep it simple Im going to just present the facts in bullet form. - 20 years old. Work for 8.50hr about 40 -45 hours a week. -21,000 dollar car loan on 2015 Kia Forte. KBB Valued at 14,000. - 389.xx a month 36 months. Havent made one payment since I got it in April. Behind 1,060.xx due August 1st. I am planning to just buy a used car with cash, voluntarily surrender the vehicle and forget about the deficiency. I dont know what to do and I cant be on the hook for 10-16k for a car I only used for a few months Feel free to message me if you want to talk or have more questions. Im drowning in stress right now.  <response>: I cant be on the hook for 10-16k for a car I only used for a few monthsYou can and will be on the hook. Best case scenerio unlikely, they repo it and sell it for 14k. You will owe 7k for the remainder of the loan. They can and will take you to court if you dont make those payments. More realistically you will be on the hook for 10k interest for this car. You signed a contract saying that you would pay for this car at x interest rate over y months. Breaking that contract which is what you are planning on doing will result in you losing the car and paying teh difference after they sell it to somebody else.The fact that you havent paid a damn thing so far tells me that you are probably going to be in deep trouble when the repo man comes. 