First time financing, and I got 28.88% APR on a $5,280 motorcycle. $1,222 in gear on my credit card. Need help figuring out what I can do.

Hey all, I made a really stupid decision and didn’t realize what I was getting myself into and need help on what to do.. I would like to lower the apr but willing get rid of my Motorcycle.

I’m not sure what you need to know since I’m new to all this.

My credit score currently is 595. My score was 685 before I got the motorcycle and gear.
I bought this motorcycle on New year’s and is brand new.
On my loan it says:
APR: 28.88%
Finance charge: $5,280.12
Amount Financed: $6,616.42
Total of payments: $11,896.54
That will happen Paying $220.21 a month, 53 times.

I’m a new rider and I have dropped it twice and cracked the fairing both times, everything still works fine though. I’m not sure how much it would cost to fix it though.

I bought motorcycle gear which cost $1,222 on my credit card. I have a discover it card and had it for 6 months. I have 0% APR until I hit 14 months of ownership and then will have 13.5-24.5% APR.

Ive only made 2 payments on it so far.

My dad said that I should sell it to a dealership or online as is and my mom will lend me money pay off the rest and cut my losses and learn my lesson.

My boyfriends brother might be able to loan me the money to pay it off and then charge me 5% APR after he pays his taxes.

My mom was saying to not pay for it and let it get repoed before my dad suggested selling it.. I don’t think that is a good idea.

What do you think about those options and are there other options I have?

Sorry if this is all over the place.

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