Trying to get finances in order

55 collections (actually about 6400 from a university loan, but can I get this also put on hold since I'm back in school? This is also in default)

You are paying a collections agency, since the loan defaulted you won't be able to put it "on hold".

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Ok I'm 22M full time student and working about 50 hrs a week. After taxes I bring home 1400 a month that plus 200 from tips.

Checking: 250 Savings 1.6k

Monthly Expenses:
Rent 450
Utilities 75-150
Gym 30
Netflix, Spotify 19
Internet 40
Groceries 120 200
Eating out 20-60

Credit score is 517 and I'm trying to get it to 600 so I can get a secured credit card and start building credit. I know that once I get it I should use it like a debit card and pay in full every month (long time lurker).

3072 Fed loan (differed because I'm back in school) open

55 collections (actually about 6400 from a university loan, but can I get this also put on hold since I'm back in school? This is also in default) open

1851 Omni (had it coming out of paycheck in the army after I got out didn't take proper steps. In collections) closed

1091 Verizon (collections and closed)

I have yet to get in contact with the collections that has 6400 should I contact them first and see if they can differ then stay paying the Verizon and omni? Would it be better to save an emergency fund if about 4k before I do this?

Side note. Currently looking for a place and will have to move or in a months time so there will be expenses before I can really start

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