OP HERE. Thank you so much for all of your suggestions.
Here's what I have gotten done so far today.
I signed up a for an Amex CC with 0% interest for 15 months and zero charge for balance transfers. I transferred $7000 in CC debt over to that card from my high interest SW card. Thinking we will either open another zero interest card to move more CC debt to (Amex maxes out at $7500 allowed for balance transfers) or we may just start snowballing the one with the high interest rate.
I called the hospital and set up a payment plan for my bills there. They were not able to lower any bills but at least they are now at a manageable monthly amount.
I got the Dave Ramsey book out of the library (normally I would have just ordered it from
Amazon, but trying to be frugal here!).
Really appreciate all the suggestions and would love any additional ones anyone has. Gong to look at them more indepthly over the next couple of days. Have a long way to go but at least I feel like I made a dent in it today.
One thing to clarify is that we are not currently contributing to the college funds. Most of that $$ we accumulated when the kids were really young and we had saved a lot even before they were born.