We had to get a van in order to transport our kids after an out of state move. The vehicle we had blew up during the move. Because there was an inability to wait so that we could get groceries and to medical appointments as well as other appointments we had to get a loan prior to getting our new state IDs. the loan terms were horrible but the bank told us we could refinance after the first payment was made. This ended up being a mistake and they would not refinance. The car went from 3k negative equity to 12k negative equity within a month. Now it’s impossible to try to refinance and we cannot afford to keep the payments going at the initial loan terms. we need help either paying the  down to refinance or pay the vehicle off. Any and all assistance is so very appreciated. I hate to even be asking for help in this way but it’s to the point it’s necessary. We don’t qualify for any assistance in order to offset this cost either. We have exhausted all other options and have decided to turn to community for help. With 3 children, One medically complex it’s proven difficult to even attempt extra income through other mean.