<prompt> Human: I am living in my car in the Mid-Atlantic and Freezing. I just started work this week as a server working Saturday and Sunday full shifts and evenings on Mondays and Wednesdays. I will be starting a paid internship at the end of January working Tues, Thursday, Friday. I am also going to school on Mondays and Wednesdays.My school and hometown are an hour away from the internship. I picked up the serving position in the same town as the internship to save money on gas instead of running back and forth. I have no place to stay and these bitter temperatures are too much to bear much longer.My bills are as follows:Gasoline- 350Phone-90Food-100Car Insurance-180Car PMT- 500I understand that having a car payment of 500 is outrageous in my situation, however I had the car when I was working a different job making a significantly larger salary. I own a second car with no payment. I am still upside down in the loan, so selling or trading is not an option.I expect to make 736 after taxes from the internship and around 400 low balling from serving. Bills 1220 Pay 1136I need to be able to afford a place to stay but I dont know how. Theres nothing I can do for a third job and I need this internship and schooling very much for my life passion and to move forward and get a good job. I have friends I can stay with for free in my hometown but that would mean more driving expenses to commute!!Please help this student poor decision maker out!!UPDATE: I called the local cold weather shelter and they are willing to let me stay for a while but not permanently since I am not from inside the county. Thanks to the responses, I realize I have to decide whats really worth holding on to the internship? the car? in order to survive. This is not an easy process but at least I will have a place to stay tonight out of the cold until I can get it figured out! Thank You Personal Finance! I hope to use the people here to help me get back on my feet and on to the financial freedom and stability I need! With little debt and searching for a good job in the future, I have the platform I need to build a solid future from the ground up!TL;DR: Not a POPSICLE TONIGHT!Assistant: Youre freezing to death to save your credit rating. Let the car go.Human: As in repossession?Assistant: If thats what it takes. Is the loan with a car company or with a bank? If its a bank, especially a small local one, see if theyll give you a small personal loan equal to the difference between the car value and the balance. Thats all theyre going to get if they have to seize the car, so maybe youre willing to work with you. If its a larger company and theyre not willing to work with you, borrow the difference however you can. Get a personal loan at a bank. Throw it on a credit card. Whatever. The payments on the few thousand youre underwater on are going to be way less than the payments on the entire car.And if after all that, theres no way to get rid of the car, drive it to the dealership, hand them the keys, and walk away. You can probably find a couch to rent on Craigslist for 200 per month. 500month gives you a warm place to sleep and food in your stomach.The problem is, youre homeless, but youre still thinking like youre a middle class professional. Hopefully you can get back there someday, but right now youre a starving guy living on the street. Youre thinking credit rating and maintaining clean finances. You cant eat a FICO score. You need to be thinking about how to keep a roof over your head and food in your belly, everything else is secondary.Once you have your basic subsistence taken care of, getting a stable, well-paying job will be a lot easier. Then you can start worrying about your credit score again.Human: You are right. Its not easy to transition into the I am homeless now mindset. Thanks for the perspective for sure.Assistant: Dump the car with a payment in whatever way you can. Car loans are among the easiest to attain once your employment and living conditions are situated. I make a decent living and would not even think about paying that much for a vehicle. In fact, my payment and my significant others car payment together are less than that, and we both are middle class earners.Im not sure where about you are, but in my area 500month is a decent apartment in the suburbs, 20 minutes out side the city, and thats heat and electricity included. Plus you have a job lined up and are going to school, youll land on your feet and things will change fast.Sounds like your only real problem is perspective and priorities. Good luck to you, I hope you get it all sorted.Human: Thank you! Feeling encouraged!  <response>: Good! Dont let this world get you down, its hard enough with an upbeat attitude, its damn near impossible when you feel defeated. You got this. Keep pushing. BTW Id take the internship personally. A foot in the door into your actual career path is worth sleeping in your car over. 