8k CC debt, 7k tax debt – looking to propose help from family

I spent the first 10 years out of college totally mismanaging my money while struggling to Kickstart a career. as a result, I have no savings, living paycheck to paycheck, and have accrued some debt I wish I hadn't.

I work as an independent contractor, making ~$30 hr before taxes, and while I am working on climbing out of owing, im still taking on more water than I can with interest.

I'm considering asking my family to help pay off some of these debts so that I stop paying those crushing APRs, and instead offer to repay them + a fair interest over the course of a year. it's an uncomfortable thing for me to ask, but i am confident i will receive help to alieviate at least some of this mess. I want to come to the table prepared with an offer and understanding that I will take this seriously.

So I'm looking for some advice as to what a fair offer would be if I wanted a $7k loan from my family with the expectation to pay it back in full + X% interest within a year, and what else i can do to be more thorough?

currently, I have:

CC debt:

$3,000 @ 25% Apr

$3,000 @ 27.5% apr

$500 @ 25% apr

$500 @ 27.5% apr

$800 @ 29% apr

+ about $7k total in back taxes with the IRS across 3 years. I have accrued about $1000 in interest from this, and currently have a payment plan of $200/month towards this.

I'm otherwise working on turning around this trajectory, eliminating bad spending habits, and managing my income more appropriately.

thank you so much!