Hello, and welcome to the forums!! Glad you're here, and posting!
It would make sense then to surrender your car if that underwater. Do you have family close by that can loan you a vehicle for a few months?
If not, lots of folks in your situation have waited till DC and then have been able to obtain financing shortly afterwards. My suggestion would be to wait until DC and then find something used/ reliable in good condition you can finance with a low monthly payment for a year or two, then you can upgrade later down the road after having some savings set aside for yourself, and a small DP for a better car.
