<prompt> Human: Hey, rpersonalfinanceBare with me, I HAVE 0 FINANCIAL LITERACY AND SKILL AND 0 IN MY ACCOUNT. I am allergic to saving so please help. Please give me any tips you can that you think would help, I am all ears.I am 21 and I live with my single mom and 3 siblings. I am taking time off from school because of bad grades and money that I owe. If possible I would like to devise a plan to return to school next spring as well as clear this lump sum of debt I am about to mention.I owe the school about 5,000 and I am not currently a student so I cant take out school loans or even transfer to a cheaper school. I recently got into a car accident driving my friends car, totaling it, so I plan to to pay him 1,500 for damages and tickets i got. I also owe 700 to my only credit card ever which I have also missed a lot of payments on before. I am not sure if I will ever have to pay 1,500 for an ER visit for an xray, I was sent the bill a year ago but I got no mentions of collection.I am working full time for a security agency making average 300 per week. I have to pay 60 for internet, 60 for my phone, 20 for my gym, 30 for food every week, and about 30 a week for gas.My credit score is 537should it be this low? identity theft?? when i did a free report. I am thinking about taking a 10k loan in order to first clear my debt, return to school and blah blah. The remaining balance will sit in savings for the emergency situation where I cant meet the minimum payments, when i catch up to the balance I will simply pay that back. Also when school starts I will take out a subsidized school loan to pay back this personal loan. Do you think Ill get approved?THIS IS MY PLAN. I am very open mined to advice and I accept literally any input and will respond to all advice. Please help get life together. I need budgeting help and tips and tricks to getting my self together.Thank you so much  <response>: Your credit score is low because of unpaid credit card, x-rays, student loans, whatever.No bank is going to loan you 10k against your very small income.What you need to do is look around, find some jobs that pay more that you can do or might be qualified to do with a little work on your part. Increase your income. Security guard is bottom of the barrel. Find something better, add a second job, whatever. Bartender. Server. Something. Thats going to be key to improving your situation.If you go back to school, you should have a plan: I will study this, and study hard, and get good grades, and graduate, because then Ill be able to get this job: fill in the blankIf you dont have that plan, dont go back to school. Wasting money attending some random classes and getting crappy grades is not a good plan. 