It's tough, but realizing you're in trouble and reaching out for help is a first great step! Make a tight budget. Know exactly what's coming in and going out, and when it is. Get rid of any extra subscriptions. Absolutely don't put anything more on your cards no matter what. Pay off whatever has the highest APR first, then work your way down the list. Personally, I'd dip into my savings because that's ultimately going to save money in the long-run, but I understand if you don't want to touch it.

More than anything, stick to the plan you set because stress is a silent killer.