Credit card debt need help

Credit card debt need help So about 4,000 behind in credit card bills. How can I fix this it’s between 4 cards… I looked at my credit score it was at 780 now it’s at 650 from my credit usage being so high. Ik the best thing to do it pay it all right now but unfortunately I don’t have that money as I’m paying off 5,000 in taxes I’m 21 and barely making it by as is….
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