Hard work and perseverance

Create a trust fund. Put it in a s-corp. build a business and follow through on a project plan

Great overview and suggestion

You can also get a zero credit cards use the credit card amount pay off some debt. Then make large payments from your tax credit in monthly installments putting your tax credit in high yield accounts to generate interest and pay down monthly payments as you build credit. You can get bonuses from credit cards to help pay down your debt.

You can use the tax return to create a pledge loan. Just as Santiago does explains in his video. Put your money in a high yield savings account. Get a 0 interest credit card. Pay off your debts with credit card. Make payments to build credit. Use credit cards that gives you bonuses also. Make money as build credit.

You can see the difference. You are doing great.