Debt consolidation firms. You can do everything they do on your own which is essentially reaching out to your creditors (credit cards, mortgage, personal loan, etc) and ask for lower interest rates or a new payment plan. Then do the debt snowball payoff. Pay off smallest loan first roll that payment you were making into the next lowest amount owed. Once the second one is paid off take that payment and roll into the next and so on. There’s other ways to do it as well, but that was how the company I worked for structured payoff. Most people don’t know if they keep pushing when being told no that something actually can be worked out. Mostly.