In April of 2006 I bought a brand new Nissan.In the loan there was a negative rollover of $3,000, so the total amount of the loan ended up being $21,000. I have it paid down to $18,900 but I’m finding the payments way out of my budget. The trade in value of the car is now only $11,500. What are my options? I really do not want to effect my credit score but I desperately want to get rid of my car.