People pay for classes in many different ways. Seems you paid for a personal finance class through a dealership. The goal at this point is to learn from the class, so you don't have to take it again.

As a landlord I understand your logic of trying to make your application more attractive by paying so much ahead of time. To a landlord with a bunch of applicants it does add some measure of confidence (providing it's legal). So there is some value. If it isn't legal, perhaps a larger security deposit. All most landlords care about is getting long-term good tenants. Convince them of that and you'll be ahead of the pack. As for the suggestions of negotiating a lower rent, that's completely out of the question when it's a tight market and you want the place. The first thing the landlord is going to think is that you can't afford the place.

Edit: Another great idea would be to offer to sign a longer lease. That's attractive.

The first thing you should do is understand that you were in charge of your money and directed where it should go. The bank had nothing to do with the situation. Since the mistake was yours, why should the bank have to pay for it. You should look at this as an online class that you paid for. Hopefully, you learned enough from the class and you won't have to repeat the class.
Own the debt and come up with a way to pay it back. It's the honorable thing to do. They will still bill you, and if you ignore it, it will go to collections. You'll end up paying for it one way or another.

Those fees seem very high. When I purchase tires installation is normally only a few dollars per tire, and disposal is about $3 per tire. I would do more research on what tires match your vehicle, climate, individual particulars, and driving style. Try Tirerack online, they have a lot of information on every tire so you can determine what's best for you. Cost doesn't always determine if a tire is good for you.