Surrendering your car with a volunteer repossession in Georgia is an option if you know that you can no longer afford the payments. It can save you a lot of hassle vs having your car repossessed. It also can reduce some stress but besides that there are still negative impacts:

Voluntary Surrender’s Impact on Your Credit Report

Handing over your keys will still have a negative impact on your credit report because you will have defaulted on your loan contract with your lender. It is slightly better because it will appear on your credit report as a “voluntary surrender” rather than a “repossession” but it will will stay on your credit report for 7 years.

Deficiency Balance

Even though you have surrendered your car, it does not mean that you do not still owe money on it. After your lender has received your vehicle they will sell it at an auction. If the car does not sell for the amount still owed on your loan, the lender can sue you for the difference, this is called the deficiency amount.