Please stop thinking in monthly payments.
It’s the ultimate trap.
If this is on a Hyundai Elantra value edition it sounds terrible.
You should be getting $2500 in rebates at minimum. Negotiate the car to 18.8-19.2k off MSRP before any manfacturer incentives. Apply your incentives.
My GF has 4500 in incentives and we’re getting it for $5400 total for 36/12k.
Yours is at $8600 before rthe negative equity. Even with maybe $2000 less incentives and additional mileage per year. You’re still off by a bit…
Again, add up totals. Looking at monthly isn’t a good idea.