common. In fact, almost everyone goes through it at some point, but it's not always a problem. Usually, if you get a fair deal on your car loan and you continue to pay for it monthly, the expense of your loan and the actual value of the car will eventually even out. Turning upside-down only becomes a problem if you are clearly overpaying for your car, are unable to make the monthly payments and don't see yourself turning around from being upside-down anytime soon. What You Can Do If you are upside-down and certain that you've got a problem, there are some things you can do to get you out of that bind: Keep the car you have until you're able to catch up with the value. If you can, simply continue paying off the loan until you catch up with its current value. It may take some time and you run the risk of reducing the value of the car should you plan to sell it or trade it in, but this will leave you in a better financial position later on. Earn some additional cash. If you're having trouble making your monthly payments, you'll need to earn some additional income in order to pay it off. You could take on a part-time job, sell some of your belongings or start a manageable business. This doesn't have to be permanent, you just have to do it long enough to get you the money you need to pay off your