Well, seeing that you just got it you're truck this year then if you trade in you will take a heavy loss unless you can put 20% down to not be upside down. I went through the same thing. I originally hated the Xterra and bought one for my wife which was the 4 banger 2wd. Then we both got into wheelin and had to wait 2 years to be able to do a trade on it. You'll have to wait at least 2 years and then trade to not be to far upside down or just sell it for the amount that you owe and then go and get a 4wd one.