Free Secured Credit Cards For Bad Credit

I have $900 in bad debt and no Credit Cards, should I pay them off or get secured credit?
The debts are rediculous medical bills from my boyfriends fathers office, he told me it’d be free but I guess not. I also have 21k in student loans through the stafford loans which are being deferred. I have never been approved for Credit Cards and I’m wondering if I should get secured credit or have my parents add me as an authorized user on some Credit Cards.
Which steps should I take to help my credit report? How fast will my report change?
Unless you know what you’re talking about, please don’t respond. Keep in mind 21k in student loans is pretty good for a graduate student, so is only having 900 against me. Also, look up secured credit if you’re unaware of how it works.
With those debts how can you even be thinking of getting a credit card??? Pay off the student loans and get rid of the other debt (no matter how unfair it is). It is unlikely you will get a loan anyway, secured or otherwise, with those debts.
Repair The Credit Using Orchard Bank Credit Card
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