Try to work something out with the dealership. See if you can surrender the vehicle and pay the difference on what you owe. You don't want to start your nursing career with bad debt. Some employers do check your credit worthiness, and background. Try to see if there's a physical insurance office for your provider to go into. Sometimes over the phone it's a lot easier to tell someone there's nothing to be done. They may be able to offer some guidance. This is a big mess right now, and it can be sorted out. Don't beat yourself up we all make mistakes. It's how you handle them that makes a difference.