Credit Counseling Schooling

How does a Consumer Credit Counselor affect a student loan?
I want to go to university to study a program soon. Without But my credit card debt to get the best of me, so I contacted a Credit Counseling agency consumer. Does agencies student loan (federal and private) do not consider an application for Credit Counseling Services? How I can know how this decision may affect my school?
From what I have said these programs can not do anything by contacting your creditors and work on an agreement by you. In addition, bankraptcy deposit is almost as, or worse your credit score. And they charge you if you have more debts!
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