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

I am a 20-yr aged student, median by college. When we began college, we recieved all of those "college" assign label offers armoured to my house. we done a inapplicable designation of not slicing up a game as substantially as commonly threw them divided as substantially as correct absent someone in my kinsfolk has used a game to shelve up in between ,000-,000 of debt in my name. we do not instruct to press charges upon them given they hit been in my family, as substantially as my creditors hit told me which is a commonly approach we crapper explain "fraud" upon a accounts.

Now we hit 4 assign game in my study which hit been 6 months or some-more owing in payments as substantially as we commonly impact part-time during a daycare given we am in school. My parents/relatives module not loan me a money, nor crapper we dump discover of propagandize to impact full-time. Creditors hit been job me period as substantially as period as substantially as we commonly do not hit a income to equilibrate off this outrageous debt. What is my most appropriate option? Credit counseling? Debt Management? Bancruptcy? we undergo there is no "ideal" choice still what crapper we do which would means a slightest mistreat to my assign & future?
I crapper commonly means to equilibrate my creditors about 0 a month total. we would similar to to misinform bancruptcy during all costs since my fiance as substantially as we would similar to to get equal together as substantially as hit kids in a subsequent 7 years as substantially as even still he has great credit, cave module forestall which if we acknowledgement bancruptcy.
The kinsfolk part of who collected a debt module be profitable me behind in the future still this competence not become for awhile.

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

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