car title loan in CA, can't afford insurance or registration due to high payments

I got a title loan on my vehicle to make ends meet in September, and realizing that I still have until September 2013 to pay this thing off is making me realize that I am running out of options. The payments are $311 every month, and when working part time and not being able to work as much since I'm taking classes part time now, and I can't afford my $108 registration and smog in July, or my $80 insurance. I don't know what to do, and I can't lose my car. The payoff amount is under $3000, but since I'm just paying the interest right now, I'll be paying well over $4,000 by next September.

I got this loan because I had nowhere to turn when I needed the money, and haven't got the credit for a personal loan, which I wish I could use to pay this off.. nobody in my family can co-sign a loan with their credit, and I cannot afford to lose my car, but if I can't register my car or insure it, what's the point? I won't be able to buy a new one, and this whole mess has me on thin ice.