Open Question: Possible options to avoid repossession?

OK here is the deal. My hours at work just got cut and my fiance just got laid off a couple weeks ago. Right now i pay all the bills. And as it stands, all my bills come out to just under what i make per month. Which means no money for food, gas, etc.. Obviously we are looking at cutting off non essentials (internet is an essential cuz she needs it to help find a new job). But things like cell phone and her car insurance may have to get cut and just use my car. Anyways, i own a motorcycle, that i was young and naive and got screwed over. To say the least, i pay a minimum $200 a month for it. However paying the minimum would take me 36 YEARS to pay off the loan. So I am looking at just letting it get repossessed. Unfortunately i absolutely hate to do it because for one i have excellent credit (around 700). Oh btw im 27 years old if that matters. But right now we are stuck living in the now just to make it by and have a roof. I understand the possible future consequences of this decision but I have no choice at the moment. But here is where my question comes in. I owe about 15K on the loan (please no lectures, my trade in was upside down big time). And have been paying on this for over 2 YEARS. Mostly just the minimum but occasionally a little more. If anyone has any WORKING experience (as being a customer isnt all that helpful in this case unless you have extensive background information on the subject) i could use some advice. If i call the loan company (HSBC) i was going to speak to them about refinancing. However this would need to be a pretty extreme refinance for me to consider keeping the loan. 178 of the 200 i pay a month goes to interest. the loan is at just under %13 interest. The pretty much only way i could keep the loan is if they took all of the money currently paid off the top end of the loan and refinance the remainder at a lower fixed interest rate. Do you think this is possible or am I just thinking with my head up my butt? If a little confused on what i mean here is what im trying to explain. I owe about 15K because of all the interest I have paid. I have paid roughly 5K towards the account and seen it dwindle a couple hundred which makes me cry inside lol. What i say about taking off the top, is taking the 5k off the 15 and dropping it to 10K and refinance the 10K at a lower interest. Just let me know what to expect. I'm assuming its not gunna happen but who knows. Im more than expecting to just voluntarily turn the bike in and saying sayonara.