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You should check your loan agreement for your lender's policy on automatic loan renewal prior to e-signing it.
If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.
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Look at your transportation costs. Be sure to choose a used car over a new one and think about public transportation or car pooling. Your goal should be no car payment and minimal housing expenses. Another large expense is debt. Carrying debt is expensive, with interest rates, charges, fees, penalties and annual dues. Figure out how to pay off your credit cards and other loans.
Focus on the highest interest rate debts first and call your lenders to ask for a rate reduction. Consider transferring debt to no interest rate cards - but read the fine print carefully.
If you are overwhelmed, you can look into credit counseling services or debt consolidation.