Until I had worked through my issues the geographical cure never worked all that well for me. My problems would follow me from place to place and it is just hard to believe how fast that I could meet one of the biggest coke dealers in a new town. Heck, in St. Paul, MN I met a big dealer there just walking down West 7th Street one afternoon. Same thing in Cleveland, back in Pontiac, then out in Denver too. Things would go well and then all of a sudden they would fall apart and back on the road I would go, running from all of my problems again.
It would be much better to face your problems and deal with them where you are at now than it would be to try the geographical cure without dealing with your issues. Once you are back in school you will have the opportunity to meet friends at school too. Credit cards? Try to make small payments a little over the minimum ON TIME until you get a job. Your credit score is a crucial record that will follow you all over America, and it will determine what jobs you get and how much you pay for your car insurance too. Maybe get one of those little 50cc scooters that don't need to be registered or have insurance to widen your job search possibilities. You ought to be able to pick one up for under $1000 new or even less used.
Here is a little traveling music from Mrs. Jefferson's son: http://www.youtube.com/watch?v=EvuL5jyCHOw&feature=fvw