Rachel is in a common situation, feeling responsible to help a family member in need — even if it might hurt one’s own finances in the process.Cruze told Rachel, who still owes $27,000 on the car, that she will likely take a loss on the car when she sells it. She advised looking up the value of the car, selling it and then taking out a loan at a credit union to pay off the difference.“She can get a $5,000 car. Single parents do it all the time,” Ramsey said. “You’re putting those kids’ mom in a trap. She ca ...