A 16 year old and his motor vehicle accident

My name is Cian, I’m 16 years old and I got into a serious accident and the vehicle was totaled. I was trying to save up for my own vehicle, and I was driving a truck that was owned by my mothers boyfriend. I was completely unaware that there was no insurance and I am now stuck with the payments. Being 16 in high school working full time and having to commute over 45 miles a day because of school and a full time job means that I need a dependable vehicle to bring me there and back. I work to help out with my family. With the used vehicle market price being ridiculous, it’s nearly impossible to afford a vehicle at this day and age, along with gas, repairs, and other necessities. This is not a grab for money but yet a helping hand for a kid who’s parents cannot afford to help him. I appreciate your time, anything helps thank you very much.