What to do if you have a lot of credit card debt

I don’t know your situation so I’m going to lay out some options you have.
A full time student may be able to get a student loan with a low interest rate. The money should go towards the credit cards, but some people have been known to just spend the money on a shopping spree.
You can transfer the debt to a 0% credit card. Have a plan to only put a certain amount on that card monthly that your income will allow you to pay off. The goal is to be paid off on the 0% card before that new card starts accruing interest. However, the reason companies offer these deals is because most people won’t have the debt off and will dig themselves into a deeper hole before the 0% offer ends.
In general, consolidating credit card debt is a good idea. You want to feel the pressure to pay off the debt as quickly as possible before you get overly confident and start spending money unnecessarily.
Be careful of predatory debt consolidation and debt settlement programs. There is something called the Consumer Financial Protection Bureau which is a government agency that will help with budget counseling and will help get the interest rate down.
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