Ok, I got my sweet 'lil Kia back.
And while some people think only "idiots buy Kias," I know that I worked my ass off working 12 and 14 hour days, and I made every single payment on that car myself. I didn't buy a car that was too damn expensive for me and default on my loan, I bought a brand new car that I could afford. Maybe the real issue here is not me being an idiot, but American car manufacturers being greedy with their big gas guzzlers and their expensive cars. Or as Einstein would say, FUCK OFF.
The backing plate on the driver's side rear brake was completely bent. So much so that the pad had come completely off. So she got new rear brake shoes, they unbent the plate, new rear wheel cylinders, and some power steering fluid. All of that cost a mere $288. Oh, and fifty two cents. $109 for parts and a friggin' 162 for labor.
Now we only have to figure out why my power steering fluid was low in the first place.