Help with debt consolidation?

Hi, I checked my credit score and I'm currently at 529 average rating, which is pretty bad. No one ever taught me about money, but now that I'm 29 with 1 reposession, 34,000 in student loans and growing with grad school, and major delinquencies over 180 days past due - I was wondering what can I do to fix my credit score, considering I never had any major credit cards (just like macy's, or express at low amounts) but other then that, all the debt is non-credit. How do I fix my score? How can I get a debt consolidation loan, or have an accountant or someone go over my reports with me and make a payment plan. Can someone help me with that without charging alot? I'd like to improve my score. Thanks in advance.
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