Here is what I would do. BTW, I am of the Dave Ramsey mindset that getting out of debt is job one and what others think does not matter.
I would sell both cars(one at a time). Take out a loan for the difference and look for one or two cars that cost 2k or less.
Build your 1k EF.
Cut cable, eat cheap( cook meals where you get several meals in leftovers). Have a garage sell. Cutting cells and internet will help.
Think of your desire to be debtfree as a boot camp. Your house payment is ok, your cars are out of line. Your getting killed due to car and student loans. Get out of the car loans asap. Yes you will have to borrow the difference but you will still lower your debt.
Once cars are gone, your insurance will drop to liability. You should have freed up roughly 700 to 800 dollars monthly by now. You can start paying off debts smallest to largest or highest interest to lowest, which ever motivates you.
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