<span>Calling the company that holds the car loan and asking them about other repayment options is the best tactic. This allows the loan holder to negotiate terms that would be acceptable to both sides, as well as showing that Angela is trying to make a good-faith effort to repay what she can. While it may increase the overall length of time that her payments require, it also shows that she is not going to outright default on the payments.</span>
Statistics is not an exact science, meaning that with any answer, there will be variance. This is because the sample size used to obtain values is always smaller than the population being studied.