How does the power steering go out twice? It sounds like it wasn't fixed or temporary fixed. Also how would it cost $2800? This is why people should learn something about cars in general. There is no way even with labor that replaying a power steering pump, belt(s) or reservoir. If it was the steering rack then it would be more but not $2800.
Be that as it may, you are upside-down a serious risk with Drive-Time. The only thing you can do now is to learn how to fix your own car. The factory service manual is easy to understand. I don't mean the manuals you get from Autozone, Pep Boys, etc. But the actual factory manual that dealers use.
If you tell me what car you got I can point you in the right direction. Also you can purchase 95% of the tools you need from Sears for less than $100. I might need to add a larger socket and possibly a torque wrench but that should be all the tools you need. Oh a jack, jack stands and a electric impact wrench will make it easier but if you can find a self-service shop that will make it easier.
Also local community colleges and trade schools have entry level auto repair classes you can take.
If you haven't gotten any secure credit cards, I would highly recommend you get some to further boost your score in the short term. It's very possible you can get your scores into the lower/mid 600's in 6-12 months with on-time car payments and a couple of positive trade lines like credit cards. At that point you might be able to get out of the car and loan and get something better, newer or just flat out new.
Good Luck
