Need to refinance a 2001 Hyundai Elantra GT. My brother borrowed from a Car Title Loan shark PLS Fin

My brother had heart transplant 10 yrs ago & has gone back to college... graduates August 2011... promised jobs at UTSW Medical As well as Dallas Baylor Hospital by Pres of American Heart Association Dr. Clyde Yancey. I live with him and pay all bills ($1275) from my SSA Disability ($1801 monthly). He borrowed $1100 from PLS (see PLSFinancial.com) and the interest alone is $379 per month. Can afford payments but NONE of the $379 goes to princeple and I can't afford to pay it off. My credit score is 597. What can we do / where do we go to refinance? I also have a Pristine 1995 Mazda Miata 101K

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