First of all, why in the **** do you need a car at college? I went to the University of Wisconsin, for four years. I lived just far enough away to have a nice walk to class, or take the bus if I felt like it or if the weather was bad.
I've never understood the point of people having cars in college, unless they live off campus. But then again, I've never understood the point of living off campus. College is a time to meet new people, hang out with friends, study, learn, and try something different.
If I were you, I'd ditch my car in a heartbeat. You have a loving, understanding, and hot (OMGHI2U!!11one!1) girlfriend that loves you enough to keep you around when you're wasting your life with a piece of scrap metal.
Not to be a jerk, but based on what you've told us, I think you take things way too much for granted. You've got the loving girl, parents who throw money at you for school AND a ******* MSP, and you don't even respect them enough to put the time in with the girl, or with your education.
Seriously, ditch the car. It'll be the hardest thing you'll do in the next few years. Don't look back. DO IT.
Chris