Seeking advice here’s my situation

I am scraping by paycheck to paycheck currently paying $20ea over minimum payment on my 3 credit cards I currently owe $7500 in total credit card debt APR around 28%

I owe $6500 on my car .. right after my two year warranty expired everything started falling apart I recently spent about $2000 on repairs, when my transmission died and everyone is asking at least $5000 to install a new certified part… I’ve been wasting $200 a month on insurance for the last year. I have not been able to get this repaired and have no choice but voluntary repossession

I know this will have a negative impact on my credit score

Was checking on my tax return when credit Karma was trying to entice me with a $9000 personal loan with 17% APR 290mo/36mo $900 admin fee

I was considering taking the loan before turning my car in and taking a hit to my credit score and paying off my credit cards completely. I am currently paying $290 so my credit card payments would remain the same with 11% better APR

Then I would have whatever reconsolidate loan from the credit union from my car in addition to the personal loan, but my credit cards would be paid off and I would no longer be paying $200 a month on insurance for a car I can’t drive

I have no idea what I’m doing …Any thoughts or advice is appreciated and welcome thank you!