Except you have to give the cars back. So maybe you'll walk away from having used the cars for little to no money. Maintenance and interest if you had a loan.

How does the loan forgiveness and 130% loan to value weight into these numbers?

I have a 2014 Jetta with options. My total payout would be $23,777. I still owe $22,000 on the car. That’s not much in the way of compensation.