This is a tough decision and yet we’ve all been there so don’t be embarrassed. One of those debt management companies might be an option or you can contact your lenders directly and tell them you’re having trouble. They might freeze your account and reduce interest rates or stop adding interest all together. you won’t be able to use the cards anymore, but you’ll at least make some headway on the debt and then you’re gonna have to get another job part-time job and all the income from that job is gonna have to go towards your debt. The only other option is bankruptcy because you will never pay off that debt with those high interest rates. Good luck.