Where can I get financial consultation or advice on student loans, consolidation, credit scores and mortgages?

I am a graduate student nearing graduation and have a heafty student loan around 160k. In addition, my credit score is poor because of a few missed payments. I would like to talk with someone who can give me unbiased advice on how to tackle my student loans as well as provide insight on possibly buying a house, consolidating my debt and raising my credit score.

For A 62 years old ,retired and a home owner with home owners insurance. Can she apply for a reverse mortgage loan or any other debt consolidation loan?

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