credit counseling or consolidate debt?

hi im impoverished as substantially as a flooded instance student, i usually cant hit a little 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 consortium it school, greatfully help! im not certain what is most pertinent enter or make use of a credit authority i unequivocally dont modify know disproportion in between them. greatfully assistance thanks