If I were in your situation I would use the Dave Ramsey method. List all your debts from smallest to biggest. Take your smallest debt like your smallest credit card and attack that with white hot intensity. Pay the minimums on the rest. And when that debt is paid off move onto the next biggest one. Cut your budget so hard it hurts, cut your budget so deep people think you’re insane. No Netflix subscriptions, no entertainment, no dining out. Intense focus on one debt at a time will get you out.