Would a judge take this relpy into consideration with installment payments!?

Yea, I would definitely start looking into taking another job or looking for a loan that would allow you to pay off that amount. You are in college, right? You can take out financial aid loans. According to the law, you are required to use the Loan money to pay for school stuff only. So use the loan to pay your bills and use your $380 a month to pay your debt to these people.