<prompt> Human: Title mostly explains it, she went car shopping with her older sister to co-sign In 2015 and I dont know how but they ended up spending almost 13,000 on a 2009 Toyota Camry with almost 100,000 miles on it. We started dating a year and a half later and I was floored when I found out how much she still owed Ive always bought private sale and have done my research first. So here we are with 6,000 owed on a car barely worth more than half that. I always here of dealerships offering to help pay off poorly financed cars and wondered if this or anything else is an option? Thank you in advance for any advice were in our early 20s and trying to move our lives forward and this feels like a bit of a road block  <response>: First off, what is the interest rate?Secondly, dealers dont just pay off cars. They usually roll the debt over onto a new loan when she buys a car from them. The dealer doesnt do favors for fun, they do it to make money. What is her credit score and her sisters, since a refinance may help. 