things were good then went bad

oh my so things were going so good.. smooth and easy... then BAM WTH??? i go to my drs to try and get on meds for my ADHD so i can focus a little more in school and she says u need to make a appt at summit point and make sure its nothing else. WTF ever man.. so i get in there and they start making me remember the past gets me all depressed. then we go and try and get a house and they tell us your credit has to be a min of 620 okay thats cool well my credit score is 561!!!! WHY WHY WHY did i let this get so bad? i have been crying the past two days i feel like such a failure! why would i do this to myself??? and not just to myself my kid! he cant have a super nice house or a backyard that he can play in.. i am over it. sick and tired of this... I cant wait for this to be over with!!!