My 2 cents here is do you have any income coming in right now? If 6 months from now things might be better, I would just keep making your payments til then , interest be darned. Ontime payments count for a lot. The other question is , regardless how you view its importance, what are your current credit fico scores? This and if you have income coming in to at least make your minimum payments would suggest a possible loan is possible to consolidate.
How long is your credit history, how many inquiries are on your reports? These may sound silly but these are important for lenders to use in determining your chances at getting a personal loan. I know some may not agree getting a higher interest loan but the one thing it has going for it would be the certainty of a finish date. There are so many good Credit Unions one can join even if one doesn't live near one that options are available. I have too much debt myself through life and Covid so I feel you on this. Hopefully you can add a few more details so we might be able to guide you before trying bk.
