You don't want to turn it over to the lender.  It will be a repossession and it will still be a negative impact on your credit rating.  Your lender doesn't want it either.\n\nYour best option would be to try to sell it.  Call your lender and let them know you can't afford it.  See if they'll work with you by suspending your payments for a month or two while you try to sell it.\n\nGood luck!