Will it make a difference on my credit

Are you currently behind on any of them?
Have you contacted them yet to tell them you have fallen on "hard times" and asked to be placed on a hardship program?

No I am uptodate on all of them, 2 have closed the accounts even though i am current to not cause me problems |(so they stated), but that was a week after I talked with a debt management co and they pulled a credit report.

I dont know whats best stop paying everyone and when they call let them know I had to take a 15% pay cut or pay some the min (loest intersrt rates ) and stop paying the higher one

A few months back I saw I was headed for trouble. I was at or just post some due dates, some were approaching 30 days. I sat down and called them all. Told them about the "serious" reduction" in income and that I was not going to be able to make my next due payment. They all, except Capt 1, offered me a hardship program. Interest rates varied from 0% to 9.9 with some for 6 months and some 5 years. It got me through the last 4 months. Now that winter is here and I am looking at 4 really bad months ahead I need to go back to the table with them all. In your case the hardship programs may do the trick.

Good luck.