I’ve maxed out 3/4 credit cards, have 2 loans and I can’t afford my payments.

I’ve maxed out 3/4 credit cards, have 2 loans and I can’t afford my payments. I made dumb decisions knowingly one day I would have to pay the price, and the day has finally come. I really want to go back to school for culinary arts, and I don’t qualify for federal aid since I make too much apparently. I want a practical strategy to pay off as much as I can but my minimum payments for all cards are over $100 a month… (Cont...

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