Its bad when people have to learn the hard way,but atleast then you wont follow the same path.
Like you im a huge car nut aswell as most people on this forum.But if you cant afford it,there is no point going to the credit cards for money.
Credit card = evil (if you dont use them properly)
Better off not owning one(like me)
My advise would be to draw up a budget:
1.What you earn.
2.What you need to live(living expenses)
3.Work out how much you can afford to pay per week on your debts.
4.Try and refinance so you can put all your debts into one and have one repayment.
Car will have to be put on hold until these things get worked out.
There is plenty of time to play with cars(being only 19)
When i was 19 i owned a 1972 VW super bug.Got me from AtoB.
Then EB ford on LPG.
Then EF ford(modified)
But all the time waiting for the chance to own my dream car.And now i have it.
It all takes time so dont worry about it too much you will get there in the end.