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

I am a 20-yr aged student, norm by college. When we began college, we recieved every of those "college" assign label offers mailed to my house. we done a inapplicable designation of not slicing up a game as substantially as commonly threw them divided as substantially as right away someone in my family 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 can 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 childcare given we am in school. My parents/relatives module not loan me a money, nor can we shitting out of propagandize to impact full-time. Creditors hit been job me period as substantially as night as substantially as we commonly do not hit a income to compensate off this outrageous debt. What is my most appropriate option? Credit counseling? Debt Management? Bancruptcy? we know there is no "ideal" choice still what can we do which would means a slightest mistreat to my assign & future?
I can commonly means to compensate my creditors most 0 a month total. we would kindred to to equivocate bancruptcy during every costs since my betrothed as substantially as we would kindred 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 forbid which if we acknowledgement bancruptcy.
The family part of who collected a debt module be profitable me behind in the future still this ability not occur for awhile.

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

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