<prompt> Human: So Im a single dad with a low credit score, working about 35-40 hours a week. My credit score is in the mid 500s, and Im desperately trying to take care of my daughter and pay off my student loan. I dont know very much about finance and Im struggling to find a way out of this hole. I have a couple hundred invested in stocks via Acorns, and about 1000 in savings as my Safety Net. Any advice on improving my credit score, or ways I can minimize the impact of my student loan debt would be greatly appreciated.Edit:My monthly is about 1,000-1,200bills come in as follows; 300 to my little girls mom, 200 for insurance, 100 for phoneinternet, 70 for student loan minimum, and lastly about 150-200 for food and gas. total is about 850I work for my old college doing landscaping at 8.50hrlyAnd my education level is 2yrs of college completed.  <response>: Get all your accounts current, and make minimum payments on time Pay off or negotiate accounts that are in collection Pay down credit card debt 