<prompt> Human: Hello, rpersonalfinance, I need some advice. So Im 19. When I was 17 my first car, a beater car that I bought with my own money, broke down. Afterwards I saved up a little bit more and my mom took me to a dealership and consigned for me to finance a 2012 Ford Escape. I was pretty uneasy about financing it but I worked 2 jobs in high school so I figured Id be fine and my mom was super persistent. It was a 5 year loan for roughly 12k, payments were 206 a month after a down payment. Fast forward two years and Im in University and am struggling to pay for the car. My mom does not support me at all and school internship take up most of my life so I barely scrape by. The past 4 months I havent been able to make my payments in full, my mom has helped me but she doesnt do well herself so I know its hurting her. She keeps threatening me that the car is going to get repo-ed. So what it comes down to is I REALLY need to get rid of this car. I dont really need it anymore, I can make do without it and itd take some pressure off my mom. Theres about 3 years of payments left, roughly 8k. The car is valued around 9k on KBB but I could probably get 10-11k out of it private party. The only thing is the bank owns the title since its financed. What are my options here? Would my best bet be trying to get a private loan to pay off the bank for the title, then sell it private party? My credit isnt too great right now but its going up. I will admit that Im not very knowledgeable about finances and my mom is terrible about communicating with me. I know it was a pretty terrible idea for me to ever finance the car. My internship ends at the end of the spring roughly 4 more months and then Ill be able to work a shitton and make decent money but until then Im scraping by. Thanks for any help.  <response>: Sell it now. The person that buys it pays your bank off with certified funds. 