If I wreck my credit score or go debt relief agency will I still be able to get student loans?

Question by : If I wreck my credit score or go debt relief agency will I still be able to get student loans?
Will the rate be horrible?

I ask because I am $ 4000.00 in debt and I really can't make that go anywhere because I drive a newer car (though nothing fancy) and make kind of large monthly payments on that. I will get way less than what I owe on the car so I cannot sell it. I only make 9.15 an hour and go to school part time. I can't seem to make this debt go anywhere though I am

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