Since I'm going to the vet school, I really only had one option which is Ed-Invest. With either school, med or vet, you need a 650. Your credit score isn't that bad, if you have any balances on your c-cards pay them off, that should help (about 30 percent of score). Then try disputing the collection agency reports or make sure they at least show up as paid. Dispute anything else negative like late payments. I had two collections as well, got them erased by asking the collection agency to erase them after I paid them and told them it the account was opened withou my auth.
The way we humans treat animals and other fellow earthlings says a lot about the society we live in: "It's a matter of taking the side of the weak against the strong, something the best people have always done."
- H.B.S.