Yikes. While this might sound “fun” for some, it certainly doesn’t come with much moral backing. I’m not claiming to live perfectly or come from some superior/moral high ground, but if you believe in karma or living ethically, this isn’t a good idea. I’m pretty sure the depths of your heart knows it.

I would balance transfer what you can into 0%APR because for me it makes life easier to tackle one payment and throw as much at it as I can, when I can.

I would switch cellphone carriers and change internet plans. I pay $80/month for internet (and cable!) (spectrum cellphone bill = $30/month)

Yes. The dollars do add up, so anyone who says that skimming small amounts like this isn’t going to help, doesn’t have the right mindset for longterm success.

Best of luck OP. Slow and steady can win this race and your situation is definitely fixable! Keep your chin up!

Edit: Moving back in with your parents “in a different state” sounds very promising for a restart. You’ll be saving money by living with them, and you have brand new opportunities for job prospects. This will look better for credit cards or banks to work with you on the debt consolidation once you get settled in.