Answer: -You could get a student loan to help pay for college, but they check your credit as a condition to see if you are approved. If you need extra money to go to college you should definately fill out a FAFSA application for the pell grant. There is no fee to apply, and if you qualify the government will give you free money to go to college based on your financial need. -It is necessary for you to start reducing your expenses . This will leave some more surplus amount to reduce the debt . You may be in debt trap which is a phenonmenon describing a state of affairs which forces us to borrow in order to repay. Besides reducing expenses , you have to also start looking for some more earning avenues . There could some institutions who will admit you to a training programme on the understanding that fees are to be paid later on . Otherwise the only course left open is to earn enough to pay for fees. Lastly during the period of problems , sometimes " patience " is the key word . Have this in abundance . Times are not always the same .