<prompt> Human: So I currently have about 35,000 in gov. student loan and about 5000 in credit card debt with most of the credit accounts currently delinquentcharged off because I couldnt afford my payments while in school. Im aware now that my budgeting was terrible while in school which is why I have so much debt but Im looking for some advice about how I can begin to fix my credit score for the future. I was looking into debt consolidation and have hear too many mixed reviews and would like some personal experiences or input on the situation  <response>: Not to sound blunt BUT, find a job and work hard to pay off the credit card debt as fast as you can. Student loans, pay at least the minimum. Once your credit card is paid off spend about 10 of you maximum limit and pay it off every month. Should help your credit out. I was in the same boat although I believe my credit was in the 300s?? I was fortunate enough to land a decent paying job which fast tracked my debt payments, but I religiously still use 10-20 of my credit and pay it each month and have a 740 credit. All done within 3ish years 