Help!! Credit Question!!??

Ok, so I have a fairly low credit score..mostly because of a period that I was unemployed and a lot of my bills went to collections. I am trying to clean up my credit now, but it is taking FOREVER, and in the meantime my credit suffers. I would love to get a loan to pay off these bills, so that my credit can get repaired and that way I can just pay off that loan. Does anyone know of a program such as this that I could qualify for as a student with a full time job??

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