I've heard consolidating loans could actually make your credit score worse.

As long as there is ongoing work/wages, pay off slowly. If you make $700 a week, pay up $400 (or $300, if you can). If you make $2000 a month, put in $800 (or what you believe is reasonable). If you make $5000 per month, pay off as best as you can. Make the extra effort not to use your credit card for the time being. The main important goal here is to get out of debt, and regain trustworthiness.

Your credit score gets better the more money a credit agency can make off of you. So what they like to see is just a few cards, huge debt and huge payments (as a % of your income).

Paying off your loans is the best way. Make sure all of your payments stay up to date and that none of them go overdue. Also, don't let any debt linger too long on any one card. Good luck!

Pay off as many as you can. Cancel additional cards you may have with extreme limits on em but keep one open for emergencies.

Pay your bills