Debt Woes

I have over 20,000 in credit card debt. The fact that I am a low paid teacher in a high-rent city as well as a struggling emerging artist makes it very difficult for me to have an income that is consistently high enough to pay my credit card bills which total around $500 a month. I will also soon have to start paying off student loans which are currently in deferment. How can I consolidate my debt, reduce my interest rates and lower monthly payments.