I feel your pain. I've had my own credit struggles. However, there are many ways for getting funds for nursing school. (You've heard there is a shortage?)Your best ally should be the counselors and financial aid office at your school of choice. I'm not sure if you're wanting to become an RN, or LVN, but let me encourage you to pursue the RN. Whether in an associate degree or baccalaurate program, you take the same NCLEX for your license.
Of course, in this forum, I am not able to discern your ethnicity or any other other demographics. You may belong to an organization that helps with scholarships, DAR, American Legion, LULAC: the LULAC National Educational Service Centers (LNESC), began the LULAC National Scholarship Fund. LNESC raises monies through donations from national corporations, while the LULAC local ... www.lulac.org/Programs/Scholar.html
. You get the idea. Try different web search engines and look for scholarships. Even your local librarian may have a book on scholarships available.
And then, there is your employer. Do they give tuition re-imbursement? Do you work in a hospital, yet? If not, get on their payroll. Many of them have a career coach that will help you and give scholarships or tuition re-imbursement to all employees regardless of their job description. If you have the skills set to work as a patient care tech/nurses aid, you can roll some of that experience into nursing, later. But don't not take a job because it doesn't get you to the bedside.
I work in a large hospital in the biggest medical center in the world. Unit secretaries, transportation assistants, decedent care attendants, medical records and housekeeping staff all have the same educational opportunities available. Your hospital probably does, too.