Westlake financial of despair

So looking for some advice here. In 2024 i ended up needing a car and could only get approved by westlake at 18.9% on a 2015 jeep wrangler and recently lost my job and most places are only hiring for part time so itd be very hard to afford. My payoff is still over 18k. Do i do a voluntary surrender to avoid the cost of repossession fees? If anyone has gone through that could you tell me how that was?