Terrible credit...It just seems like one thing after the other. Any budget ideas to help me guys?

$10,000 just from early withdrawal? That sounds pretty extreme. Contact them and ask for a breakdown of charges. The best way to do it is how you are. 1 thing at a time. That way, as you pay them off, they'll come off 1 at a time. If you try and pay a little at a time to all at once, they'll all remain on your report until the last payment. I had a very similar problem when I was in my early and mid 20's and now, at 35, I'm just getting the last of it paid off. Keep your head up and you'll be ok. You'll manage. Also, get on some sort of payment plan with the school and that should prevent anymore charges being added to it.