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What to do with an expensive, upside-down car loan?
First suggestion: Investigate refinancing the auto loan with a reputable credit union or bank.  I reduced my costs by changing my auto loan to Pentagon Federal Credit Union, which charges about 4% interest rate (compared to 6% which was the standard about 2 years ago).  (for instructions on how to join penfed, look at my other post here.) Second suggestion: get involved with the better business bureau. 25% interest is ridiculous, I would file a complaint against the auto dealership.