I am completely upside down with my car. I was a single mom for a while and during that time we struggled financially. I have gotten many extensions on my loan, paid late, and even had it repossessed once. With all the late fees, fees from the repossession etc, I now owe more than I originally bought the car for. The car is 5yrs old and theres no way I can refinance. Is there any way out of this? What can I do?