How can I pay off a huge sum of credit card debt without ruining my future??

I am a 20-yr older student, median by college. When we began college, we recieved every of those "college" credit label offers armoured to my house. we done a inapplicable finding of not slicing up a cards as substantially as usually threw them divided as substantially as right absent someone in my kinsfolk has used a cards to shelve up in between ,000-,000 of debt in my name. we do not instruct to press charges upon them presented they hit been in my family, as substantially as my creditors hit told me which is a usually approach we can vindicate "fraud" upon a accounts.

Now we hit 4 credit cards in my name which hit been 6 months or some-more owing in payments as substantially as we usually work part-time during a daycare presented we am in school. My parents/relatives module not loan me a money, nor can we shitting out of propagandize to work full-time. Creditors hit been job me day as substantially as night as substantially as we usually do not hit a income to compensate off this outrageous debt. What is my most appropriate option? Credit counseling? Debt Management? Bancruptcy? we undergo there is no "ideal" choice yet what can we do which would effectuation a slightest treat to my credit & future?
I can usually effectuation to compensate my creditors most 0 a period total. we would similar to to equivocate bancruptcy during every costs since my fiance as substantially as we would similar to to get tied unitedly as substantially as hit kids in a subsequent 7 years as substantially as modify yet he has great credit, explore module forbid which if we acknowledgement bancruptcy.
The kinsfolk part of who collected a debt module be profitable me behindhand in the future yet this competence not occur for awhile.

Also, we hit already test with my creditors, they cannot become to an affordable agreement with me.

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