If you are in need of supplemental education loans (amounts over and above Stafford loans, approved by your FAO) you may have some problems.
The deal with credit scoring is that the lender uses it to determine whether or not you will pay the loans back. If your history is spotty now, what about when your debt is looking huge?
While docs look good on the income side after school, the lender has to make a decision right now...with no car or house to re-posess if you default. I would receommend that you contact the company who did your credit eval, along with any company or card that you have service with, and find out what you can do to improve your rating. You might find that if you can use them for small things and pay off immediately, the rating will go up, becasue you are showing responsible payments.
electra