A person bought a car with a loan of $35,000 two years ago, with monthly payments for four years and EAIR of 3.25%. Now the person is transferred from Brooklyn to Hawaii, effective within a month. She is interested in knowing the current market value of her car due to depreciation, and the contractual and market value of her loan. Due to the general financial situation, the EAIR is now 4.725%. If she would like to ship the car to Hawaii, the cost will be $5,000. What is the financial situation that she is facing with her car and what is your suggestion to her