First step is to try to calm down. Most of us made bad choices early in life.....as a 24 single female with no children, you are really only responsible for yourself.
At least you are trying to fix your credit and thinking about purchasing a home. Personally, at your age was when I created all of the debt I am trying to fix now. I think that DV letters are a step in the right direction, but you may think about changing them to Pay For Delete letters. See if you can get them to agree to remove the negative account from your credit report if you pay them. I recently joined the forums and was told that paid or unpaid collection accounts are scored pretty much the same, as they age, they matter less.
1. Try to PFD your baddies (start with the most recent ones first)--If they are with CA try to contact the OC first--Capital One, Kays, and Hospitals
2. Get a secured credit card or two, make your payments on time and only keep a very small balance on the card
3. Make sure your student loans stay deferred and NEVER default
4. Stay in school, graduate, get a better job 
5. If you are going to keep your boyfriend longterm tell him to get a bank account, apply for a credit card, and make steady payments.
6. Visit the myFico community every now and then to check in and get ideas!
Best Wishes. You really will be ok.
012019 Fico8/Mortgage Score: 
Well,
You're definitely not in dire straights. My CR was quite worse when I started rebuilding 13 months ago. At my lowest, my credit score was 511 (EQ). Now, it's sitting at 663. One thing I will tell you is, be patient. Nothing, and I mean NOTHING will happen overnight. You just have to be persistent.
So, more about why you're here.
1. The credit cards that you do have with the balances that are much greater then the limits, is throwing your utilization through the roof. Outside of foreclosures, bankruptcy and liens, this IS the quickest score killer.
2. For you collection accounts (medical bills) - See if you can make a payment arrangement with the original creditor and if they accept, ask them to pull the account back from the CA. You kill 2 birds with one stone this way. As for the impact of the collection accounts on your credit report, when the first account hit, you took the biggest ding. Any account after that, hurts but it hurts much less.
3. BREATH for God's sake.
Seriously,
This is minimal compared to what I was dealing with or what other forum members have dealt with in the past. Just ask questions, read the stickies and you'll have all the knowledge/power you need to fix this up and be in much better shape in 6 months.
You need at least a couple of credit cards to build credit. Your student loans do help but FICO scores installement loans a whole seperate way. If the CC's you do have are still open, call the companies and see if you can make payment arrangements on the over-the-balance amount and still keep the card open.
When you get that taken care of and your CC's are know sitting at $0 and are reporting $0, use one but never leave more then 9-10% of the available credit limit as a balance. Example, if you have a $300 CL, never leave more then $25-30 on it when the statement drops.
