You must face your debt if you wish to get out of it. You need to identify and list out your debt. The first steps are calculating the total balance, listing the interest in them, and knowing the minimum monthly payments. Once you know that, you can begin your plan of attack. There are two approaches you probably have heard about. The snowball and avalanche approach. The snowball approach means you will pay your smallest balance first and send the minimum to the rest of your debts. You will completely pay off this debt and then move on to the next. The avalanche approach will have you prioritize the way you make payments by focusing on the one with the highest interest rate. You will pay this loan off and move on to the next one in order of highest interest while continuing to make the minimum payment to the rest of your loans.
These are both good methods and whichever you pick is up to you. However, there probably is more that you can do. You could look into credit cards that offer introductory rates at zero percent. You can consolidate your loans into one card or seek a loan with low rates. You can also call your institution directly and ask for lower rates. You can do this with all your institutions and see which one offers you the best rate. Then you could move everything to this one loan or card. Make sure you let your institution know you are looking to consolidate and will move everything to whoever offers you the best rate.
The next thing you want to do is look to see if you can find some extra income somewhere. Every little bit helps to pay off your loan. You can begin by cutting any unnecessary expenses. That may mean sticking with just one streaming service temporarily or cancelling a gym membership and working out at home. The next thing you could do is find a side hustle to help you pay everything off faster. Again, you are looking for a little bit of extra income.
The last step is to stop using your credit cards. You do not need to add more debt. The thing that is killing you is your payments are paying the interest rate not the principal. You want to avoid using your cards until you have paid off your balances. This is why it is important to have better rates to assist you in paying off your cards.