Hey they gave you 2500 for your old car, they added 400 to settle the 2900. They are adding the 400 to your current financing, (your still paying the 400 in your new payment). If these are your only options and you cant make good on any of them, at least you got to ride 1000 miles for only gas. Your between a rock and a hard place, no easy way out, good luck with your decision.