<human>: First time posting on PF so forgive me if there are any discrepancies within this post. I have a 2014 Mustang that i financed and currently owe $22,000 on. KBB.com is showing only 18,000 for a personal sale so that would leave me 4,000 to pay back. My payments are $417 a month for 6 years. I have found out that I am going to be a father soon and would like something more safe, possibly a truck because I do moving as a side business and have since just rented what I needed. What are my options for selling or trade ins when it comes to this? Can I transfer the loan directly to somebody else that wants to take ownership of it? Does that affect me negatively in any way? Any advice would be greatly appreciated.

Can you condense the text into a few key points?
<bot>: I owe more money than my car is worth, what are my options for a new car considering my current loan situation?