Unreasonable unsecured signature loan?

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I had an auto loan for a 05 impala for about $ 15,000. my wife and I reached the Impala was not covered , I knew nothing about it at the time of purchase. This credit union is raping my bank account when I had to convert the remaining balance on a signature loan unsecured . it was bad when the car loan was 19 % now it is 22% , $ 177 per month . omg I can not pay this, pay for something that im not using , by the way , you can not even pay for it , what I can do?
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