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This is a prime opportunity to fix your credit, do not pass it up! You typically won't have any larger purchases than this, other than a house, so try the credit unions first and see what is the best rate you can get. You can typically pay your loan off early without penalty, so that will keep the interest hit to a minimum.
1) Do you have a cash back or reward points credit card? Max out the down payment on your credit card. I put down $5k on my card. It might be half a percent back but I don't care; money is money!
2) Pay your loan off in a year. Hell, you can pay it off faster if you want. If your interest rate is that bad, then just pay it off in a few months.
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