I’m $12k upside-down on my 2015 Focus ST after multiple major failures — what would you do? I’m honestly looking for some advice from people who have owned Focus STs, dealt with car loans, or have been in a similar situation.

Back in December 2024, I purchased a 2015 Ford Focus ST for around $18,000 out the door. At the time, I was coming from a 2002 Ford Focus ZX3, which had given me a ton of problems, so I wanted something newer and more reliable. When I purchased the ST, I was told that because it already had over 80k miles, there was basically no warranty coverage for anything. I accepted that and figured I was buying a relatively reliable car that I could maintain myself. Well… that did not exactly work out. A couple months after buying it, the engine blew. The piston rings failed and came off the…

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