i haven't read all the post, so hopefully I'm am not repeating what someone else said. Thing first thing is how much do you owe & what is the car worth? That car would really have to be worth a lot of money as is or you have very low car payments. Cause you would have to pay off the car loan, buy a used car & pay off your debt. But I would keep the car, cause you only have 12 more payments, once the car is paid off, continue to use that car payment money to pay down/off your debt. The reason I would keep the car is because, you know what you have. When buying any used car it's a crap shoot, cause now you could be taking on a bigger problem & not even know it.
