Enough to go to eeemo and accept all the defaults ? <| sep |> My best years were my childhood . God is truly cruel to give me the best years I ' ll ever have right at the start and now force me to suffer this curse of eternal subhumanity . <| sep |> If we had that Doctor Strange would still be Dr . Strange , M . D . <| sep |> This is probably the most British thing ever . <| sep |> Fuck the dealers , they are all snakes . Get a hold of your mechanic if you have one and pay him to check a used car on craigslist . Go to your local credit union and get a loan for a used car . If you want reliable you buy Honda or Toyota . edit Forgot to mention once you find the car you like get the vin number from the owner and run a carfax report on it totally worth the 4050 $. You would be surprised how many people forget to mention minor accidents . Unfortunately for you that ' s what you can do next time , for now there is really no way to get out of that loan . You ' re just going to have to suck it up and pay down that sucker as soon as you can afford to do so . Good luck , maybe someone else can help you find resources on what you can do with that loan .