31 f in a big trouble

As the title says, i’m $20,000 in credit card debt and $5000 in LOC with CIBC. Due to family reasons and loosing a job last year, i got myself in so much debt. I am working full time now but not making enough to keep up with the bills and payments. After rent and groceries, whatever i have left, i get charged for interest around $375 a month for CC plus $55 in LOC. Can anyone explain what can i do to get myself out if this mess please? 🙏🏻 I’m cutting off everything possible to survive right now. Also, i noticed on my january statement, the bank increased my interest rate from 20.99% to 26.99%. I have not missed any payment but requested a payment defferal two months ago although i still made the minimum payment.

Edit- i’m making $23/hour. Moved to a shared housing and rent is only $900. No car loan, i drive a old 2008 vehicle. $35 for phone, $85 for car insurance. Groceries $300-400. ($450 in interest) no assets