Hello @jpinka from your article I think you are from the USA? I have consulting company (in the Czech republic) and can give you some tips. You will have one quest! Look on it and figured out, if they can applicated in USA.
Can you declare a insolvency? In my country, if you are declaring inslovency, you have to pay at least 33% of your debt. You don´t have to pay
Interest and enforcement fees.Have you any chance to get better work and after some time ask for refinancing in some bank?
What about your parents. Can they help you?
Borrow some money or help you with refinancing?
If they have a good income, banks can borrow them.
If you have any question, put it here!
Good luck! It can be good, you will see :-).