Need help about my debts

I have dug myself in a hole. I had stopped working to attend school full time and I got sick. Well, I also didnt have health insurance at the time. I had to stop my only source of income, which was bartending, and I got behind on payments. My credit has decreased a lot, I tried to get a personal loan through my credit union but they said they cant help me. I am working, but all my income at this time is not helping me get out of the hole at all.