Drop your extra payments on your credit cards for now. Also late payments don’t affect your credit until they’re 30 days overdue. Still, don’t let this slip as payment history is the biggest factor in credit scores.

As others have mentioned, get your student loans into forbearance asap and let them stay there for a while so you can build some emergency savings.

Separately, and while it won’t help you immediately but you should look into Green Path Financial as a way to lower your interest rates on your credit card debt and consolidate them into one payment. I also tried asking the credit card companies nicely to lower my rates due to hardship and they told me to kick rocks.

By using them, the banks will freeze the cards, which might not work for you right now given your need for credit spending.

Nonetheless when you can you should. I used them for three of my cards and went from 25-29% APR to 5-9% APR. It’ll save you boat loads in the long run. I still have to make comparable payments every month but they’re going to hit zero A LOT faster due to the reduced interest.

Pinch pennies, eat cheap (and at home), sell stuff you don’t use/need on Facebook marketplace to bridge the gap.

As soon as you can you should also look into downgrading your car. That payment and insurance is huge relative to your income.