I am a 23 yr old and I am in need of help... My credit as I know is not that great. . I am hoping that I can get the help I need to get myself on my feet and make myself a better person for it. I am in over my head a great deal right now. I want to improve my credit by paying a series of small loans at higher interest rates and making payments on time. Being a Christian I understand what I need to do. Here is my situation I owe these debts:

Defense Finance Accounting Service- $84.00
World Acceptance Corp-$792.00
Empire Finance-$428.40
Claremore Regional Hospital- $102
Calvalry Portfolio Service (Sprint)- $282 or 98..54 (settlement offfer)
A-1 money mart- $126
Tulsa Adjustment Bureau- $158
Rogworth LLC- 900 in back rent

Check N GO payday loan- 400.40

Totaling 2614.40

What I am wanting to do is this:
1.) Pay off all these bills
2.) Improve my credit

The reason for deliquiences on my credit report is DFAS was a Navy overpayment to me(it used to be at 600+ but I have paid it down with my taxes the last 2 yrs)

Another delinquency was the Sprint Cell Phone bill due my father’s passing away (it was his cell phone but in my name).

Also Claremore Regional Hospital is a medical debt from a hospital visit when I was a student on a clinical visit, I made mistake assuming the Indians would pay for it for me same with Tulsa Adjustment bureau.

The three loans are current but I want to include them as well so I can live within my budget a lot easier. My budget with this loan would be:

Income 1800.00 month:

Claremore Public Schools $431x2= 862 bi weekly

Walmart- 1072 monthly- bi weekly checks

Rent (includes utilities: electric, gas, water, trash)-300
Cell Phone- 50

Home phone- 6.61
Car insurance 78
Cable/internet- 120.00

That would still leave me 1245 for loan payment and other expenses.

How I would use the money is this:

1000 intial loan

Pay off:

Check N Go- 400.40

Claremore Regional Hospital- 102

A-1 Money Mart- 126

Cavalry Portfolio Services- 98.54 (pay off settlement offer)

Defense Finance Accounting Service- 84

Green County Emergency Physicians- 156

The remaining 33.06 I would immediately pay back on the loan. This would eliminate all of my delinquencies. It would free money so that I could make larger payments on this loan and start paying on my other debts as well. My eventual goal would be to become debt free and maybe eventually help people here on Prosper.