need help consolidating

I am a 20 year old student at Tomball College and the main reason i\'m in debt right now is because i don\'t have a co-signer for my credit card or car loan. Because of that, I am paying 14.7% interest on my car (and that\'s down from 21% on my last car) and am upside down on my loan. i have never missed a payment and the only reason i have been late recently is largely due to the fact that i\'m paying $450 a month for a $13000 car when i should be paying about $250. If I could possibly consolidate my loans and maybe even get a reasonable interest rate, I know I would be out of debt pretty quickly.