Debt

[Sarah999998]

My credit score is really low from being unable to even make a payment to my student loans. I've talked with FAFSA and quite a few people but don't know how to change it to something lower. I also have a credit card that messed me up as well. It would take random amounts of time to take the payment out of my account. What should I do? I'm trying to fix things, but no one knows what to do.