qbug

I feel like 5:30am isn't the best time to be stressing out about budgeting and my credit score and that kind of stuff, but I am. I'm trying to find an apartment and I have poor credit (563) and even if I paid off some of the open accounts I don't think I could pay them all.
I could ask my dad for help, which would just be him giving me my own money that I don't have unrestrained access to for another 6 years... But he already said he would let me use it for a new car (mine can't drive more than a mile without overheating) and moving costs. I should probably just man up, tell him I have debt, ask for help and take the lecture but he has cut me off before and I was living on a very small amount of money with 3 adult roommates and a kid. So, I dunno. I don't think I can find an apartment until I get better credit

I am super freaking out and I can't sleep.