SLOWLY honey, it will take some time. First off, get the lowest credit (interest rate) card you can find. Get as much of your debt on the low interest rate card. Make your payments on time. After making timely payments, other credit cards will offer you low rate cards. Transfer your debt to the lowest rate cards DO NOT purchase anything on credit untill you get your act together.
Noones gonna give you a personal loan for 5 grand! You dont your bills now, what gonna make a lender think you will pay them?
No, debt does not disapear from credit report after 7 years.

Damn I feel for you, I know that’s cheap and meaningless to say. Forget the loan. What you need to do is work two jobs for a year straight, and make damn sure one of them is a good waitressing job. I did it, you can too. Then you go back to school after. 11 grand is a lot, but it’s not impossible. I’d advise not “making a deal” with the creditors because that’s a lower level of bankruptcy, and yes it will stay on your record for 7 years.

While you’re taking a year break to pay off debts, you need to get your university grants in order, make sure you get the max for Pell Grants.

You haven’t got a snowballs chance in hell of getting a loan to pay off your CC, unless your parents co-sign.

You could trade in your car for a new Kia which monthly payments are low $147.00 monthly. This eliminates the $400 current car payment.
Move in with Mom and save every penny until this credit card is paid off. Ask to talk to someone at the credit card place and ask to have the interest lowered. Make sure your payments are up to date before doing this.
Talk to all your creditors and ask for lower
payments for a year to help you out, explain your situation
to them and maybe they’ll understand.
Good Luck!!