Fix says another solution is to sell the car and pay off your car loan. Try to sell it for the balance owed.
"If you're still going to have a balance on the loan after that, putting that balance on a credit card is one of the worst situations you can put yourself in," says Fix.
Of course, you'll still need transportation of some sort. Fix suggests buying a used car or a scooter, taking the bus, biking or joining a ride-share program.