Need Help With XNA C# programming and 3D Models

[customstuff]

Right now I'm in something that's somewhat of an extension of normal school, where we're doing XNA programming for 5 weeks. Basically, my situation is that I got a couple free-to-use 3D models of cars (Exported to .fbx with Blender) and they include a bunch of textures in .tga format. I'm looking to use the models inside an XNA project to rotate around and look at for now, and eventually work on some sort of networked racing game. I got the models in and mostly everything is fine, but the problem is, I can't get the textures to work. I did what I thought was right according to some examples online but when I run the project the textures aren't shown. The textures should all work fine right from the downloads and the textures look fine, so those aren't the causes.

Anyone have an idea as to how I could get the textures to load onto the model in my XNA program? (Bonus points if you also know a way to have multiple colour options using one model in a program, since I know I'll be looking for that too).

I'll offer 10k credits if someone wants them and you result in everything working! Thanks.

(tl;dr version: .tga textures don't display on a .fbx model in my XNA C# program.)