<prompt> Human: I have no idea where to start. I have been out of school for a few years now and on my income been unble to make any payments on my loans. I dont qualify for any loan forgiveness so theyve been sent to collections. I just wanna know how far back this will send me and what options I have to start building my credit and how long until I can see improvement.  <response>: It would help quite a bit if you list all your various debt totals and interest rates, along with monthly income and bills. Car payment, rent, Netflix type stuff ect. 