Todd, your obviously losing quite a bit of money by selling the truck now. How much is $10k really gonna change your financial picutre? ( rethorical question...no need to answer publicly)
It'd be cheaper/easier ( assuming good credit) to use a CC balance transfer or somthing similar...there is still alot of cheap money out there ( with good credit).
Wait 12 months , and see if the economy turns aroudn a bit, then pay off the loan when you sell your truck for $15k
...at a cost of a few hundred in interest.
IF the economy is still in the crapper, sell the truck at 10k, pay the CC off, but it bought you 12 months for only a few hundred bucks ( interest).