Repairing Credit?

There's no way that I know of that will consolidate debt for free... most of those places are scams and hurt people's credit scores. I think that paying of the credit card debt first is the best thing because that's the highest interest. Student loans, as long as they're paid on time, can actually help your score. The main thing is paying on time and having a low debt-to-income or debt-to-credit ratio.