I am a single mother of two striving to purchase a home. My biggest setback is my vehicle,a 2010 chevy malibu. I only make 14.08 an hour as a Preschool teacher and am currently going back to school to advance my career. At the time I purchased my vehicle my credit score was very low causing me to get in a loan with a high interest rate. I've paid almost 12,000 on my vehicle and still owe 9,000 on it. I can't trade it in because it will keep me in debt, I can't refinance because I owe more than what the car is worth, and I don't anyone in my family with good credit that can help me refinance. I make my monthly payments and still not seeing balance go down. I'm in what they call an upside down loan. My greatest dream is to become a homeowner and a role model for my children but this vehicle is keeping under water. Please help!