I need credit/student loan help.?

I am 22 years old and I have a horrible credit score. I have a mortgage, car loan and 2 credit cards on my credit. I really want to go back to school, but I can not afford it. Even though I am completely financially independent, I am still required to submit my parents info for financial aid. They make too much money anyway, and I don’t speak to my dad and he refuses to even fill out my FAFSA. I do not have anyone to co-sign for a student loan, and I am stuck. I desperately want to go to college, but I don’t see how I can.

Can someone please advise me? How can I get my credit score up? With this job I can barely afford to pay much more over the minimum of my credit card payments, but I do when I can.

SOMEONE HELP!!!

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