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Honestly those are the things that have been weighing heavily on my mind for the past two years...Realistically I know I can't pay off my debt (without a major career/medical change) in 10 years, but if I can get my credit high enough to at least get a house then I wouldn't be as stressed about the debt.

As far as transportation goes, unfortunately I live in rural Oklahoma, so I don't think I can even get a cab to work everyday, let alone a bus. I would really like to move to a bigger city (I've looked into Denver and some East Coast cities), mainly so my life doesn't revolve around having a license. Only things preventing that are a lack of savings and my custody agreement. I have primary custody, but I would have to get permission from my ex wife to be able to move with my son out of state. She's already quite bitter, and she's already said she'd block that from happening (probably purely out of spite).

I really could, and I really wish banks looked at more than credit score...last August I got my license back after 2 years, and I went and got a job at a dealership. I was on track to make 37k, but then in January I had a seizure while driving. Totaled my car, lost my license, lost my job, and finally decided I had to move back in with my parents to get back on my feet.

A family member suggested filing for bankruptcy, but from what I've looked into it would destroy my credit for the next 10 years. Is this true?

Hey Rob, thanks for doing this. So like most of my generation, I'm covered in a mountain of debt. I've had seizures that caused me to need surgery, ambulance rides, and now have over 40k in medical debt. I'm finally down to 8k on my student loan debts, but I also had to go into default on two. The worst is im a single father who is trying to build a life for my son and I. I'm 26 years old, and recently moved back in with my parents so my son and I would have a ride to work/school. I'm a certified auto tech, I've been promoted at every job I've worked at since high school, never been fired; however, every time I have a seizure I lose my license and subsequently my job (can't be a mechanic without a license). Doctors have never been able to find the cause of my seizures (started at 19, had 6 since), but they also don't really try to since I can't afford health insurance. Last time I looked at my credit score it was in the mid 400s.

My question is what do you think the best way for me to build credit is? I'd really like to buy a house, as a solid foundation for us, but I'm not able to get a credit card or any loan to start building better credit. Am I just screwed until I get out of debt? At the current rate, I won't be able to have good enough credit for a mortgage until I'm 35. Luckily, every car I've owned I brought back to life from the junkyard and never spent more than $1000.