almost 30, no savings, 70k in debt , & overwhelmed

I’m turning 30 in less than 2 months, and my life has fell apart in less than a year. i’m like 70k in debt including student loans. I’m about to ge forced to pay them back since i haven’t been on school a year.

it started with me taking a leave of absence after i had some crazy things happen to me, now i make around 40k a year but i owe 20k in credit cards , still owe 18k on my car and 18k in loans.

i’m overwhelmed and don’t know where to start. i gave up my apartment and now things are worse . my minimums were almost 1k a month for the credit cards alone. i do not own any property or anything i just messed up and don’t know what to do cause i’m drowning in debt & living with family to save money but would eventually like to get my own place but can’t even afford an apartment with a roommate right now.

im tempted to do one of those debt payoff companies (national debt relief) has called me quite a few times.