I am financing a 2021 Toyota Highlander. Payments are $637 a month. Brought in 2024 and things were okay for a while but now I feel like we can no longer afford this vehicle. Last time i checked with carvana and carmax I had about $8k or $9k in negative equity.Life has gotten more expensive and I cannot seem to catch up on this car. I can’t trade in for something cheaper because of negativity equity on this vehicle. I highly doubt i can refinance especially being so upside and almost 3 months behind. I have about $6k in credit card debt and I dont qualify for any loans at…
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