Who owns your house? Can you leverage that with a home equity line of credit at 6% and pay off your car, then drop some of the extra insurance on it (towing etc.) and up the deductible to 1k and save money there? Or drop to pl/pd insurance and drive very carefully, but you cant drop to pl/pd with a bank lein on the loan.
I assume the interest on your car is greater then 6%. I assume the mortgage is in your name because you are paying the mortgage and not the utilities.
Also, call the student loan people and see if you can get your monthly payments lowered. A
lot of times they let you do this, but you have to call and ask, and press the issue a bit.
It will extend the life of the loan, but i would venture to guess it isn't your highest interest loan.
Also if you DO own the house, and you are paying PMI
on the loan, and have owned the house for over a year, call the lender and ask them if you can drop PMI
with your good payment history.
even if it is your bf's have him do it for you. That could save you 50+ bucks a month right there.