As obvious as it might sound any boost you can make to your income will help you to handle your debt and help to repair your credit score sooner. With a low credit score you might be paying more interest on your loans and be unable to get better rates but you can make up the difference by getting more income.
This might be as easy as asking for a raise at your place of employment or working more hours or else you might need to consider getting a second part time job for a period of time and applying the additional money to faster debt reduction.
The faster you can repay debt the faster you will get the boost in credit score that you need and this will allow you to refinance at lower interest rates.
Boosting your income will help you to get some momentum going where debt is reducing and credit score is increasing.
Even if the additional income might seem minimal it could still be enough to start clearing smaller debts and particularly those where you are paying the highest interest rates such as credit cards.
You might only need to keep the part time job for a short time just to help you get to the next stage of your plan for credit repair where you have the choice to refinance and reduce your monthly payments accordingly.
In addition to making more money you can get more funds by selling things that you no longer need and one of the best places to do this is on the online auction sites such as EBay.
When you get money from selling items or from extra employment you should designate that money for the repayment of debt otherwise it will be too easy to waste it in other areas and still be faced with the same problems.