Hey delix, I have been through a somewhat similar situation. With some debt as well, which is enough to sting these days but what I have been ultimately able to manage.
First steps are to calculate your debt service amount (this is the total number of principal + interest payments you need to make in the coming 1..n periods, say 1 year). I am talking minimum payments only, so on a ~$30K credit card balance they may be as small as say $500 monthly. Second, start thinking about bringing in enough income.
Now, is this the type of advice you need or were you asking more broadly?