good morning all: any advise on this would be greatly appreciated

I am licensed currently in the state of Florida(been so since 2017) , I am renewed through the end of 2025 and I had a question as it pertains to renewal next year(2026) .

I am in a bad situation with my current car loan and due to a decrease in loan productions , some poor decisions and having multiple heart surgeries this year I am struggling financially. I am having a very hard time making the monthly payment on this vehicle and insurance and I need a way out … I am considering doing a voluntary repossession to turn the car in as I am underwater significantly(15-20k roughly) on the vehicle. I am current on this debt and all my credit cards and mortgage but I am struggling mightily to keep it all together

I wanted to confirm this will not impact my next NMLS renewal in any way?… as being an MLO is my main source income and I have been a great MLO the last 7 years helping many families.

I had a similar issue to a lesser extent in 2021 where i had a car charged off with 3k deficiency and i went on a payment plan for the remaining balance, but I am scared if I surrender it with such a big deficiency this time they would not grant me a payment plan I can afford

NMLS never questioned anything regarding credit fyi in my past renewals despite the past charge off and a few other late payments.

Any thoughts are greatly appreciated I am worried sick about this , I have always been a great loan officer I just made some judgment errors with my own finances unfortunately