thanks guys. i know my options. i just cant take them right now and i have a hard time saving money. paying bills is obviously priority but when i have cash in my account i spend it...im not going to lie about that. its my own fault that im in this mess and i can admit that. sucks that voluntary surrender will go on my credit as a repo...and until it does its just sitting on my credit as an open loan. also sucks that i got owned by the shtty dealership.