<prompt> Human: Hello!Thank you to everyone in advance who reads this post and offers any advice for financial planning, its greatly appreciated. I graduated with my bachelors in 2010 and attained my first job after college working as a community organizer working 50-60 hours a week and more. On January 2012, after a manic episode I was diagnosed with Bi-polar disorder and was hospitalized until my release and reintegration to society in April 2014. Since my release, Ive volunteered at different community organizations, completed a year of service with AmeriCorps, applied and was accepted to graduate school for Computer Science and was offered a job as a teacher at a public high school. As a teacher I make about 1,100 bi-weekly after taxes and for graduate school I attained a scholarship that covers my tuition dependent on my performance each semester.I have about 30k in loans from my bachelors and 4k in collections due to ambulance fees, a 598 credit score due to missed payments on my loans during this difficult time period. I recently opened a secured credit card and searching for an apartment in the 700 range.Im looking for any advice and thoughts people have. I would like to improve my credit score and get my financial house in order. Thank you!Update:After attaining my masters my goals is to create a workers co-operative of social justice focused technologists. The workers co-operative would specialize in civic technology to assist community organizations by assessing needs, analyzing data and creating solutions by collaborating with organizations and individuals to address needs and strengthen communities. Id imagine this would function similarly to a consultancy. If anyone has any advice about starting a business early, considering my situation, would be appreciated. Thank you everyone for all of the feedback, it means a lot and Ive been meaning to post this for a long time.  <response>: 2200 for a teacher? What the actual fuck? I hate todays college system and job requirements to its core. Experience beats a piece every time for most jobs. If I didnt go to school free because of the military Id never go. 