I think you missed the step of getting the interest rate reduced. OP makes over $80k, takes home $73k. Reduces rent to $24k or less a year. Living expenses another $20k. That leaves around $30k left to put towards hopefully only principal after negotiating. Side Hussle Uber gig, eBay side business, maybe $1k per month additional. Share a room somewhere save another $10k a year. As I said if op is motivated to avoid bankruptcy they've got a potential $50k to throw towards a not yet negotiated debt, which could be less depending on the cc companies willingness to work with them