@blossom has a great idea
Look into the Hebrew Free loan. Didn’t know it was non secular. My wife took some out for college. There was like no time limit and she of course paid it all back. There might be other ways similar through churches, your community etc.
Not questioning why you didn’t get a much less used car but maybe there is a way to make that payment go away. Selling it and buying something less expensive?
Looks like a second /third job is the way to go,regardless of what the pay is. Cut cable. Get Hulu live. It should be much cheaper or the like. Your rent is extremely low (which is awesome), on $30,000/year not sure why the loan can’t be paid back sooner? Not sure what I am missing here. You got to start making larger payments to knock this loan out. Do whatever you need to do to make it happen. No excuses. I am actuality impressed with you and know you will make it happen. There is some good advice being given here.