Car selling/buying question

Whats the best way to get over this. My g/f has this big ass SUV which we want to get rid of and get a normal car. She still owes a considerable amount on this and here are the options :

1> Trade it in and get a new/used car (involves losing a lot of money).

2> Sell it - that is if we can find someone ready to even just take over the lease payments.

3> Get a new car - we are waiting for hearing those on the radio where they say - they’ll payoff your current car no matter how much u owe (whats the straightdope on that ?).

4> Get the car refinanced - the payments are a killer and wait till we pay it all off to resell.

Any help is appreciated.

She can’t sell it if she doesn’t own it. Does she own or lease it?

The responses will be based on opinion, so I’ll move this thread to IMHO.

bibliophage
moderator GQ