Are you in school? Seems like increasing your income would help, even if it's a longterm plan. Going to school might improve your chances of doing that.
Maybe you could start putting a very small amount, even $10 per month, in a savings account to start the very beginnings of an emergency fund.
See also Prosper.com if you want to get a lower-interest loan, but the minimum loan is $1000, so you'd be taking on more debt. Maybe you could use the extra $400 to start an emergency fund. I'm not so sure I'd recommend this approach because it would be increasing your debt, but it is one option for lowering your interest rates.
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