Having to spend 82% of your income on debt and a single expense for 4-7 years to get out of debt has no first step that is not bankruptcy or a large inheritance. If we get conservative it is 72% over 8-14 years…. I understand paycheck to paycheck. The OP is not doing this… they are doing this then spending 90k above income.

It is important to remember the OP is sending at the very least 26% of income on just the CC interest. So putting rent at your suggestion means they have just rent and just interest at 60% of income. Add a car, insurance, cell phone, utilities and food in the area they are in and there is nothing left. It is not possible to do this on the OP’s income without changing their life entirely. They will be in bankruptcy to get out of this… they need to just do it now before they further their damage.

Sometimes the answer is not hope, spreadsheets and organization. In this case it is not and the advice of reducing rent is not sustainable. They need professional help or it will get worse. For them to do this budget overnight they would need to be very good at budgeting money to break even every check and not pay debt off. They need professional help.