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It depends on your skill set really, but if you are good at a certain subject in school, you can try tutoring. You can also blog, create websites, or even write articles about things you enjoy. Look at freelance writing or google "selling photos online"
All depends: could be just arrears that u may pay back after 1-2-3 month and you will be always beyond(unless you can manage to pay this in one go.. then if you still don't pay the creditor start to contact you to see if you can afford to repay this arrears if you still ignore or don't pay the creditors pass your account ( mean your loan, mortgage,credit card) to legal actioner to try to settle your debts so if you still avoid this step your account go in default and at this stage your credit score go down a lot and to improve your credit score will be so hard and will be long term ( I believe that a default will disappear from your credit score after 5-6 year so at this point as a says if you need help financially most lender will decline your application.