need advice

I have around 13k in credit card debt that has been lingering for a few years now. I have paid on some of those cards for over a year. My phone rings 20 times a day. I have a car loan and a personal loan that along with rent doesn't leave me a whole lot left over. I have become deliquent on my school loans also. Does anyone have any advice on the best way to go about getting out of this debt??