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Being upside down and trading a car in is never good. If she owes 12k and the trade is 8 you spend 12k you will be financing 16k without tax and title fees. You also have to be careful and protect yourself. You stated she is you girlfriend. You don't want to be on the loan just in case something goes wrong in the relationship because then that could ruin your good credit rating if she defaults. Good luck.
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