<human>: Some background:

I have never had a credit card and have basically always lived under the philosophy that if I can't afford it I shouldn't have it. This has been a good thing but also an overall detriment to my credit.

I have student loans and one car loan that are paid off in good standing. That, however, is the extent of my positive credit. My credit trouble really started about 3 years ago.  I got sick, 6 months later I got hurt, I was kept out of work on disability for a little over a year. During all of this many of my medical bills ended up in collections and the car I had at the time was repossessed. 

After coming off disability I made some bad job choices. I am currently unemployed and not eligible for unemployment. I've been having a very difficult time finding a job because I am overqualified for a good portion of them and don't have the required education for the rest.

I want to fix my credit very badly. I am planning on enlisting in the Army and the MOS (Army job) I want requires security clearance. My credit is the only thing that might disqualify me for this. 

I have a total of $10,030 showing up on my credit reports. Around $3,000 of this is the charge-off on the repossessed car the rest is medical (all in collections). I don't even have enough money to pay rent for December let alone clear this up but is there anything that I can do in the meantime that would make the financial recovery process easier?

Could you distill the essence of the text into 1-3 sentences?
<bot>: I haven't been able to pay medical and car bills for a while and need to at least start finding a solution even though I am unemployed and have no money.