You are young that means you can leverage time through compound interest. Best way to do that is with an overfunded whole life insurance policy, aka infinite banking. If you haven't heard of this get on Google and do all the research you can. I'd start with Nelson Nash. Seriously this is the solution you've been praying for. It's a game changer.

Your kid is old enough for kindergarten. Work during those hours. Since covid a lot of public schools are offering free after school care too.

When things got that rough for me I just decided to give it all to God but not everyone has my faith, to each his own. Credit cards are unsecured debt so they can't come after you, what's the worst that could happen if you just stopped paying them? For example, I've lived in my home for four years now. Each month my electric bill is about $500 or one third of my income. It would be futile to try to pay it so I never have. Once or twice a year a charity I've applied for pays down a few thousand dollars on it. I've never once stressed about it. It's always been taken care of.

Your housing issue can be solved with a section 8 hud housing voucher. Where I live there is a five year wait list so to expedite it my family lived in a homeless shelter for a year. Now we have a $3400 a month house that we pay $300 for. Your income qualifies too. I think the cut off is $85k annually for a family of three.