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If your lender does not repo on a loan you don't affirm, then there's no reason to affirm it. the other thing I'd be consdering is if you can get a new loan or 401k loan to redeem the car for what it's worth.
If you reaffirm the loan and loose your job a month after discharge, you remain liable for the loan. If you can "retain and pay" without reraffirming or abandoning, then I'd do that.
Let it go and buy something for cash.
$5k isn't even beater level . . you can get a pretty nice car for that.
Save like crazy after your discharge . . it's addictive I have a five figure savings account for the first time in my adult life. I've had new car fever for years, but socking away 35% of my income feels much better.
@MDCruiserwrote:
After 4 years I can hit my 401K and do a loan for most of a car if need be. I found a nice $5k car I'm going to see tonight.
Don't touch your 401k for a car.
In 4 years with a successful rebuild, you can get a crazy low rate or another 0% offer if you really must finance a car.
I have my main savings and have just started a separate car fund. I have my eye on several new vehicles now that I will pick up used in a few years w/ low mileage for cash
Good luck!