Yes you can roll it in. Each 1000 adds around $34 a month assuming 36 months. Search the forum for information because this has been asked countless times
You might be able to snap $20-21k from someone if the car is in great condition. Seems like $19-22k is the selling price for most 2018 Camry SE right now. If you want to keep it simple then you can always trade in and take the $18,500.
Have you checked Shift, CarMax, and all the others for offers?
Private Party I know I can do it-but it’s the hassle I don’t want- I work for an auto-group with 13 location’s maybe I’ll throw a message out to all the stores about it,
@BoardWalkNJ post reads like he’s talking specifically about the $3,900 in negative equity. I’m not trying to bust your chops rather ensure the OP realizes he’s paying interest and being taxed again, which can be considerable for NY state.