<prompt> Human: I graduated from school in 2015 and have been unemployed for the last 3 years. I did volunteer work for the past 3 years but was unable to get a paycheck after being fired from my first job. When i was briefly employed i had no student loans and took out a credit card with a shady credit union to pay first months rent. I maxed out the card which had very low interest rates and made my payments on time by visiting the branch. They didnt take online payments and only let me pay by mailing a check or in person or by the phone with a 15 payment fee. My problem was they stopped sending me reminders to pay and i missed two payments so they handed my debt to collections who demanded the full 1500 instead of the monthly 30 Loan payments. I essentially havent paid them in 2.5 years and have a debt there of somewhere between 1500-2000. On top of that I have a credit card maxed out with Wells Fargo that i have been making monthly payments on and have an outstanding balance of 1500.Last summer I took the LSAT and scored really high and got a 50 scholarship at a top 5 law program. I calculate i will make a six figure salary post graduation and therefore want to attend lawschool as it will help me increase my salary from my current 0year. In order to attend lawschool i need to take out student loans and found one that relies on a credit check called Federal Direct Graduate PLUS Loan which will cover entire tuition amount. I am looking at taking out 130,000 over three years and want to do this. The problem is i need to raise my credit score. My friend told me he would loan me 4,000 to help me improve my score. I am wondering if anyone here would be able to offer me advice on raising my score short term and throughout law school.To sum it up I have a 2.5 year old balance of 1.5-2k in collections and 1.5k balance on a credit card i am making monthly payments to. I have enough money to pay it all off but not sure if that is what i should do to improve credit score situation.TL:DR owe 4K in debt which is preventing me from going from unemployed to highly paid lawyer. Assistant: Dont go to law school and become more in debt and trying to get a job in a field that isnt hiring as much as it once was. Human: My family friend said he will hire me to his firm once I graduateAssistant: Thats in how many years? Waaay too uncertain. Human: The alternative is working for McDonalds...  <response>: Definitely the only two job options on Earth.And Im not saying not to go, Im saying dont rely on that offer. 