I need financial help...?

I am 15,000 in cc debt and 89,000 in student loan debt, both federal and private loans. I did loan consolidation for my student loans, but cannot pay all of the debt that I have. I am not behind as of right now, due to the fact that I deferred my loans. I pay the minimum amount on my cc's. I dont own a house or even my car, its a lease. I dont know what to do. I looked into bankruptcy online, and found that if you can prove undue hardship with your student loans, they could be filed a well, its just not as easy as it used to be. I dont know how I am going to pay everything off. I do not spend as much as I used to and do not use my ccs anymore. I am a teacher and do not make that much income. I also looked into cc consolidation companys but have heard nightmare stories about them taking your money and not making the payments. Any advice would be greatly appreciated on how to control and pay my debt. Thanks!