There are ways to save and dig yourself out of debt no matter how much you make.
Find Out Your Current Credit Score:
Getting Help With Existing Debt:
If you are completely drowning in debt (like I was) then you can also consider a credit consolidation service. They helped me in such a big way without having to go bankrupt. Life happens, and they understand that, and are willing to help you with the income you currently have.
This post will still be helpful to you once you get your crazy debt under control, but just know there is a way out. They consolidate your debts, give you credit and finance education, and opportunities to increase your credit score by the time you complete the program.