HOLD ON! just so you think im not a dumb kid, i got rid of the supra and 90% of my other toys, including my good computer, RC cars, old hockey shit, etc. That was all a money pit(especially the supra!). What really happened was, I let my dad talk me into starting a buisness. Last time i do that. With the car situation, I got a manager job at dominos, so I got an 01 MR2 spyder (awesome car btw), i got it for 250 a month for 48 months/2000 down, and i traded it in on the cobalt(not such an awesome car) because i was living on my own, i needed a trunk and a backseat, plus the 100k warranty looked nice. The cobalt is also 250 a month but for 60 months, so same payment just longer. We havent made shit in the last 3 or 4 months, and now im broke and in debt. I used to have a pretty good job too. If the world was nice someone would just come by and smash the car into little bits. The gap insurance contract actually says i get 2500$ towards a new GM car if its totalled and not my fault, but im sure someone will figure it out and try to get me for some sort of insurance fraud. Especially since i missed 2 payments and soon a 3rd. But yeah i was thinking of just trading it in on another used car thats like 8000$, and then the payments would be much less and id be able to afford it. I actually did just apply for a pretty good job at lowes, making more than i did managing a dominos. my aunt hooked me up with it. and im going to sell my work van since its pretty useless now. Thanks for any more help!