Question: can afford car payments anymore?
Answer: Maybe you've had a massive (and negative) life change. ... 
If you find yourself saddled with a monthly car payment that you can no longer afford, don't panic. ... 
With Equity: Sell or Refinance. ... 
Another Option if You're Leasing. ... 
Be Up Front With the Lender. ... 
A Poor Solution: Handing the Car Back.