My friend wants to turn in her car because she can not make the monthly payments. She has been paying late the last few months. It's not hers but her spouse who want pay the monthly bill and it is in her name. The bill is a little over 400 plus 200 and something for insurance. She wants to just return it to the dealer even though it will hurt her credit because she can not afford to keep paying. Her daughter is in college and goes to school a couple hours away and she has been promising her a car for a few years. She plans to still get her daughter a car next month. I wanted to suggest to her not to return her spouse car but trade it in and get her daughter a cheaper car since it will hurt her credit both ways. I was thinking since she has to get her one anyway. Which way is cheaper?