If you have $5,000 negative equity, it adds ~$100/month to a 5-year loan or ~$150/month to a 3-year lease. Rolling it over is a snowball that grows with interest. You must budget for your new car separately from that debt. The fastest escape is burying it in a lease—gone in 3 years. If you can't afford to stay, you need a "sacrifice car" to rebuild.