Car Loan Payments

How do I get out a car payment/loan I cannot afford?
I don’t make nearly as much money as I use to and I am struggling with my car payments.
Sell the car essentially, don’t worry your not alone. Or take out a personal loan, and list the car as collateral. It is essentially only 2 ways without ruining your credit personally. Or call your lender, which depends on the person and the credit history. Alot of americans are running into a lot of credit problems believe it or not, specially with the subprime loans affecting the housing market.