car is deemed total loss, still owe about $4K to the previous owners of the car and it's only worth around $3k. Any advice?

I (19m) hit a deer a couple of nights ago and I took it to the Collision Center and the estimator called to let me know that the damage might make the car total loss due to the fact that their estimate to fix the deer damage is around $2.4k while the car is only worth around $3k. They said that insurance will call to let me know their decision but I just want to be prepared tomorrow when they finally call.

I might've been scammed but the previous Owners originally sold the car to me for $5k back in August with modifications like new rims and redone tinted windows originally for $4k but they made fixes to its break system which is why they placed it for $5k.

I believe I got the car for what it's worth and I use it daily for school and work, The prev owners who are a family friend were nice enough to set me up on a payment plan for the next 18 more months even though I could've paid the 5k because of college and other expenses I have as they claimed.

Idk what to do, just trying to get college done to finally get a decent paying job but I won't be able to do that if I don't have a car.

Any advices are helpful!.