I have run into this situation a lot over the last 6 months. You need to get 2 more secured or other credit cards and just charge $10.00 a month and pay them off. Right now time is the only thing that is going to work. Keep the student loan is it gives you another tradeline on your credit.
If you can get those 2 cards right away and don't charge them up you should "probably" have a good enough score by June 2012.
If you want to talk further offline just email me or call me on the number below. Hope this helps!