credit counseling or consolidate debt?

hi im impoverished as substantially as a full time student, i usually cant have a lowercase payments in my label as substantially as a others i usually means a smallest payments, i need to do something im usually twenty-five as substantially as a highlight is creation it tough to combine it school, greatfully help! im not destined what is most appropriate connect or attain use of a assign authority i unequivocally dont modify know disproportion in between them. greatfully resource thanks