I am drowning in debt

Hi. My name is Aaron and I'm pretty sure this is rock bottom, at least where pride and money is concerned. My entire family is struggling. The two family members I live with are on disability. I work but years of debt, trying to scrape by and not having the financial means to properly address my mental health have finally caught up with me. I'm drowning in credit cards and predatory loans, the latter being the main culprit. Getting one to try to cover things and then another to try to cover that. Trying to be able to breathe for a minute. Thinking that maybe the ability to breathe can alleviate the inability to properly medicate or receive adequate therapy. It's a vicous cycle I've been in for close to 20 years. I've finally hit a wall. This morning was the final straw. I finally decided after years of paying predatory loans on time that I simply can't anymore. So I tried to do a stop payment on some of them. This morning both the 30 dollar charges for the stop payments and the payments I tried to stop went through. I called and turns out it has to be a specific amount. They were not clear with me about that and these lenders charge very slightly different amounts from time to time. So essentially there was nothing I could do. I paid my bank 60 dollars for nothing and I was overdrafted. I then laid there with swirling thoughts about what bills are due in the next few weeks. Trying to game plan about what bills I can put off, but then I'll have to put off something else. It quickly spirals into a never ending vortex of being pelted in the face with capitalism. I want to get to a point where I make better financial decisions. So badly. I want to be able to get by on my own and help people when I can as many people have helped me over the years. As it stands my hands are completely tied. I'm exhausted and struggling. If you can help at all, I'm forever grateful and I promise to pay it forward. If you aren't doing that great yourself, but are trying to figure out how to help, take your money and bury it in the ground. Don't even think about giving me any. Worry about you and just maybe share this or something. This is embarrassing but it is what it is. I guess the worst that can happen is I get bird chirps in my bank notifications. Which is far better than the howling ghosts and pitchforks I'm currently receiving. I'm sorry for the wall of text as I'm too depressed for paragraphs. Thank you so much for reading. I hope you have a good day.