My car has become a financial black hole a major hurdle in repairing my finances.

Executive Summary

I 33(M) have been very irresponsible with money my entire life and I am desperately trying to fix it before it's too late. I have a 2021 Civic and the details of my loan are as follows: Original loan was for $23,939 with a monthly payment of $504 and an APR of 14.6%. I've had the loan for 2 years an...