Bad credit, does not mean you"re a "bad" person, it means you have managed some challenges. And when things suck and you need to upgrade your credit, finding money to do that may be unavailable, so there is some DIY to do.
When you want a serious support network - there is the Lexington Law Firm. They are not cheap and they will take a few months but they will move you along your path to a better credit position.
Solving credit problems can be a challenge but with patience it can be solved.
Maybe you are unaware that in some cases you may be eligible for one of the many student loan forgiveness programs available. MoneySolver is a solution for some (not affiliated with HBU).