In NEED of a new car...HELP?

All you can do is keep shopping for a really good deal. The problem I see is that between the both of you, your income to debt ratio is fairly high. But don't be fooled into thinking a co-signer will help you. Plenty of lenders are looking at their debts as well and saying no even if their credit score is excellent. I would suggest looking to find a good used car. Just the same, paying cash for something decent is the best way to go for now. See if there is a relative that wouldn't mind you uming the balance of their loan. What you'll do is keep paying their loan in your name if the lender will allow it. This way you won't have to put any money down & save the $2K. Just a suggestion.