Credit Advice

You'll have to make ammends with your student loans they wont go away through bankruptcy. But you'll be able to get them payments down to what you can afford. As far as help with repairing it you can open a small credit card through First Premier or Orchard Bank try those!

Get in contact with your student loan and try to figure out way to have smaller payments. they will understand financial hardship and might give a 6 month deferment. pay your bills on time!!! try to go to a credit union and set up an account and open a line of credit.

It sounds as if your student loans are the main part of your credit.  In that case, bankruptcy will only be of limited help, as most student loans cannot be discharged by bankruptcy.  To complicate the issue, they can also go after your tax return (and you would have no say .. it would be deducted right from your return without you even seeing it), and they have less red tape to go through to attach your wages. How many student loans do you have, and are they through different creditors?  You can apply for a hardship deferrment, and try to make it retroactive (depending on the lender, how long you have had the issue, etc)  But, it doesn't hurt to apply for one anyway, even if it cannot be retroactive. A consolidation loan is unlikely while they are in default.  Most student loan agencies have a loan rehabilitation program, so you want to ask about that.  They typically allow you to bring your account out of collections/default with 12 standard monthly payments (do not miss any ... for many, you only get one chance).  They typically do not require you to catch up on what is behind.