You owe 19 and it’s worth 5-6? I imagine private party is a bit more but nowhere near 19. You don’t really have any good options. Is is in good shape? Reliable? If so, your best bet may be to keep it while doing whatever you can to pay it down. Odd jobs, sell stuff, other ways to increase your income or reduce expenses?

So the principle balance on the loan is $19k now? What’s the value of the vehicle if you were to sell it?

I assume since you said you’d ‘still owe a few thousand’ that this means you have negative equity. If you were to sell the car (either to dealer or private), you’d have to come up with that ‘few thousand’ difference somehow.

If you trade it for a cheaper car, there’s a chance you could roll a bit of negative equity into the new loan, but that is not advisable. Tends to snowball quickly for people with a habit of doing that.

What is the car worth? How much do you owe on it?