A Nice Camaro for your trouble. I am trying to give my friend some sound advice.

So my friend who is a little naive and a bit stupid got himself into a car financing pickle.

He drives a base 2017 Camaro. He got into an accident recently and while the car has been repaired (just some body damage), his insurance spiked (not his first accident on record, first for the car) and the stupid finance terms has got him into a bigger hole than he should. He is trying to dig himself out, but since i don’t finance cars, I don’t know what to tell him.He can sell/trade this in and get a used car, but his financing would likely be upside down. He can keep the car, but the payments (financing and insurance) would probably make it hard for him to afford.

Anyone with suggestions would be greatly appreciated.