<human>: Can you succinctly summarize the text in 1-3 sentences?

My girl friend purchased a 2013 nissan versa from a nissan dealership last year with a 20 % interest rate under her dad's name. she pays 400 a month for the payments and recently due to circumstances she cant afford the payment any more. If she gets her dad to agree is there any way she could return the car to the dealership she got it from to trade it in for an older cheaper car? or could she just trade it into a used car dealership and they'll let her trade it in for a different one?

any other options?
<bot>: cant afford car payments anymore can i trade it in for a cheaper car even though it hasn't been payed off yet?