No judgment at all here. My getting into massive debt was due to the combination of mostly living on credit cards because I was making too much to qualify for most loans when I went back to school as an adult, and then the markets crashing with the banks then rate jacking and balance chasing. I've been there (and I'm still there to some extent but making big progress) so I know it's stressful.
The good news is that you have $500 a month to throw at the balances. Provided you don't continue to use the cards, you could still pay all 3 off in less than 2 years even with high interest. I would certainly get the Chase and Citi cards paid down below $1750 immediately and throw everything you can at that Amazon card, while paying 2-3 times the minimums on the others. Once you get your utilization under control, depending on your scores you could then evaluate whether a balance transfer card or consolidation loan may be the right move.
Crazy question, when you log into your Citi account, is there a link for Request Credit Line Increase? Check it to see if it says something like "It's easy to see if you're eligible for a credit line increas. No credit bureau report will be requested..." That would be a soft pull trhat won't affect your credit, so you have nothing to lose but even a minor credit line increase would help you tremedously right now. High utilization kills credit scores.
As for the student loans, as was my case you won't qualify for Perkins loans or subsidized federal loans, but you can certainly qualify for PLUS loans - which is more than the amount of tuition and fees. Just make sure you take a look at the interest rates (private student loans are readily available but may not always be a good option), and make a plan to pay them off as the amounts can multiply dramatically over the course of 10-15 years.
Best of luck!
