You need to talk to a bankruptcy lawyer. You do not have the means to pay your debt down and every day will make your balance higher. You need probably $2k a month for rent which means you loose $42000 a year on housing and interest payments. This leaves you with 25k a year for all living expenses other than housing and not paying down your debt. This is a very low quality of life.

90k @ 20% = $18,000 a year just to keep the balances at 90k. This is to much to tackle without help from family or friends. You need to call it quits and declare bankruptcy you can not do this on your income without very very very significant life changes.