Students Loans are considered installment debt, not revolving debt, given that you pay a fixed amount every month. So check it again to see if it says revolving or installment.
And I'd be very surprised if it did say that you have too much in SLs as they tend to help you (as long as they are current) rather than hurt you.
You'll need to check all 3 reports just to make sure the suit has been removed on all 3 reports. What's on one, isn't always on the other. Sucks but its true.
Now are you saying you have 2 charge offs? if so were they paid? If paid you want to try GW if unpaid, PFD.
If I read correctly you don't have any CCs, now even though they're saying new credit - very good, it does not mean you should not get some CCs, as I said before, if all your TL have some sort of derog. then you need to establish TLs with perfect history and the quickest easiet way to do that is with a couple CCs.
With scores in the 650 range you could try for the Amex Delta and Hilton Hons. Since they're both with Amex it'll only require one pull. As least that's what is being reported on this forum. Read some ot the Amex threads for more info. That'll give you 2 good TLs right there that you can just use to pay your phone bill, or cable bill every month and pay off. That'll help you in no time.