u/Alarmed-Charge-1900

I went to car Mart when I was 18 and I got a 2014 Dodge Challenger. I didn’t have any help and no credit but I needed a car well fast forward to now my car has over 200,000 miles on it and I’ve been fixing things left and right out-of-pocket because car marts warranty is a joke. my insurance is also over $300 a month and the gas mileage is terrible and I’m starting to no longer be able to afford it and I need to move out of my family member’s house but I don’t think I will be able to afford it with this much stress about the car and not knowing if I’m going to have to fix something else or be broken down when I get in my car. So I’ve been looking at dealerships to roll my negative equity onto a new car loan. My payoff amount is around 8700 and I’m paying 550 monthly for a car that isn’t even worth 3K I did Kelley Blue Book it and they said it’s worth around 2500 due to the miles and when I got the car, there was a damage to the right side fender, not bad but it definitely brings the value down significantly. So yeah, I just need help. I’m only 20 and I don’t have anyone else to ask. Also forgot to mention that now I have credit because 100% of my payments have been on time. So it’s around like 680. I do want to add that I drive 45 mins to and from work 5-6 days a week

I went to car Mart when I was 18 and I got a 2014 Dodge Challenger. I didn’t have any help and no credit but I needed a car well fast forward to now my car has over 200,000 miles on it and I’ve been fixing things left and right out-of-pocket because car marts warranty is a joke. my insurance is also over $300 a month and the gas mileage is terrible and I’m starting to no longer be able to afford it and I need to move out of my family member’s house but I don’t think I will be able to afford it with this much stress about the car and not knowing if I’m going to have to fix something else or be broken down when I get in my car. So I’ve been looking at dealerships to roll my negative equity onto a new car loan. My payoff amount is around 8700 and I’m paying 550 monthly for a car that isn’t even worth 3K I did Kelley Blue Book it and they said it’s worth around 2500 due to the miles and when I got the car, there was a damage to the right side fender, not bad but it definitely brings the value down significantly. So yeah, I just need help. I’m only 20 and I don’t have anyone else to ask. Also forgot to mention that now I have credit because 100% of my payments have been on time. So it’s around like 680. also, the value of my vehicle is just going down the more I drive it so even if by the time I pay it off, I would just have to get into another loan anyways.