The loan amount look normal to me, until i see the CC outstanding amount! *shocked* Even for MBB its higher than credit limit.. TS mind to share what did u use those CC high spending for..

Just like others mention, can try settle one by one debt start from the lowest, using monthly allocation saving. Iinm its called snowballing method. I think 2 or 3 CC which amount 2-6k can be settled soon with high discipline and cut unnecessary monthly spending.