Can you help me with my financial Problems?

I am a 20 year old college student. I currently are in some pretty good debt not including college loans. I have 2500 in Credit Card Debt, and i owe 850 to a bank for overdrafts. I am so far in the hole right now. I am currently bringing home around 500 a month, and my car payment is 185 and my insurance is 150 a month. Does anyone know where i can get a consolidation loan or a way to improve my finances. I am without parental help, and it would be hard to get a co-signer. Please give serious answers only. Thanks