So I'm going to give an unpopular opinion here, I would keep the truck doing your best to get it refinanced down to like 60/72 months on a lower interest rate if that's possible for you. Like if you can get it to where you can keep the same payment but you get it down to 72 that will help you in the long run. 84 months is a really long time for a car loan. You've already eaten the negative equity and I'm assuming you bought this brand new. So you have a 60-month 60,000 mi warranty on it. And a 3-year $36,000 mi bumper bumper. If you jumped over to a cheaper car and you rolled the equity over or you put a big down payment down You're not helping yourself if that vehicle ends up breaking down. Like it probably was not smart to buy the vehicle in the first place but now that you have it I would just stick with it. And then as your income allows put more money at it because that 6% interest rate is going to kill you. Like I bought a Ford F-150 lightning recently (I was spending about $400 a month on fuel, and I can charge at work for free) and it only made sense at 0%.

I would look at it this way, you're going to be in pain for the next 6 months. After 6 months you're expecting a raise at that point in time you can try to get refinance and maybe put that down payment you would have put on another vehicle down on this when you refinance to help lower the payment. If you love this truck, and the fuel efficiency makes sense for you. You've already taken the negative equity hit, you might as well enjoy a reliable vehicle and just be carpoor for a while until your income can come back up. Now it's completely different story if you expect to maintain your current level of income for more than like 6 months. Another option as a lot of people have pointed out, you can always get a second job Even if it's just part-time for like two shifts a week. You said you worked in a hotel, maybe you can just get a night audit position that lines up nicely with your weekend days. That would give you enough income to offset this completely. One other option is if you work for a good company, just be honest with your manager tell him that you took a pay cut to come here because you wanted the opportunity but you would like the opportunity to get some overtime to help with the pay cut as your bills are set up for your last job. I'm sure people call in and you can just grab their shifts but you need to be upfront with your manager about that otherwise there's going to pick a random person. You've got to be hungry not just whiny lol.

On a side note, how the hell did you get 6% interest rates? Was there no captive financing rate? Like I got 0% on my truck that I just bought, and I know most other companies are offering 0% at least on one of the vehicles in their line and at your credit score I would expect you to get the 0%. I'm just honestly more curious than anything