you get the economic :picard:
The bank isn’t bending you over. In fact, the loan itself isn’t your problem at all. You bought more car than you can afford.
Sell it and downgrade, or cut other expenses to meet your payment. If worst comes to worst, take extra student loans to make sure you do. The terms look better on your credit report and it will cost you a lot less than throwing away a favorable GMAC loan.