+1 for all the advice in the above. And one more question: if you commute 80 miles (!) and your GF has no job, why don't you move closer to where you work? If you could walk / cycle to work and your GF could also get a job within walking / cycling distance, you would save 300 a month on gas. And you could sell the car a lot sooner, maybe even go carless for awhile until you're above water again.
