Why not just ask for the money to get the current car loan up to date. A 2-3K car isn’t much anymore, then you have to pay tax and reg fees on top of that. Lets look at her deal.
That is actually a low payment now and days.
You got fucked. The is subprime shit. Credit acceptance is not who you want to have a car loan with, and if you owe that much and an 11 year old car the only thing I have to say is I hope they lubed up before they bent you over and jammed it hard up your ass.
After seeing this, I can’t even rag on her. She may be making the right move. her credit already sucks, so why not walk away from this mess while you can.