How Do I Improve the Debt to Credit Ratio on My Credit Report?

debt

The only available credit that is listed on my credit report is my student loan. The current balance of the student loan is $23,500 and it started at $25,000, so my debt to credit ratio is 92%! I keep being paid denied by credit card companies because of this high ratio (they state this reason on their “you have been denied” notices. How can I improve my debt to credit ratio so that I can, in turn, improve my credit score?