No way you are getting a mortgage with credit like that. You need scores of 700 or better, at least 3 years track record on the job, 20% cash down payment plus all closing costs and 3 - 6 months of reserves. How much cash have you saved up? You should have about $30,000 to buy a $100,000 house (20k down + 5k to close + at least 5k reserves, probably more).
Credit card debt + school loan = total debt outstanding? Sounds like your debt-to-income ratio might be a bit low, given your credit score is in the toilet.
Do not be deceived by the supposed "minimum 3.5% down" for FHA. FHA, Fannie, Freddie, etc are broke. We are still seeing an inordinate number of "approved" loans not being funded by closing. If less than 20% cash down, there's risk of this, and the further below 20% you are, the greater the risk. This is very costly in penalties for failure to close on time. You need more money, less debt, and very definitely a much higher credit score.