Should I do a debt consolidation Loan? If so, where?

Hi everyone, sorry I didn't get a chance to introduce myself. I live in California, good friend recommended this site. You guys are amazing, I hope you can help me in some way. Either way, thank you for having me. Here's my situation. $90K in unsecured debt (two personal loans that are 50% paid off, and $65K in very high interest credit card debt). $62K in student loans Long story how this happened (bad investments, stock market tanked on me) but I haven't missed a payment on anything in 15+ years. My credit rating used to be close to 800 but now is prob around 650ish (discover scoring shows 645 score, experian shows 651, Trans Union is like 580 or something horrible). Several of my 0% balance transfers have recently expired so I'm now paying 20-27% interest on most of my credit cards. My two personal loans are only around 7% so not too worried about them. One inquiry back in Jan 2022. Opened three credit cards (to do balance transfers) in early 2021. Everything else I've had for 5+ years. The loans were opened back in 2020 and are half way paid off. Again, haven't missed a payment on anything, 30 years plus of credit history. Just utilization is super high. I think my utilization is around 88% if you count those student loans. Question, where can I get a consolidation loan with favorable interest rate that won't hurt my credit?? Will there be some sort of code that makes my score drop again? Also, prefer not to pay any up front fees to the loan, just monthly payment. Even 15% APR debt consolidation loan would be huge help on some of these 25% compound interest credit cards. I have two jobs so I can prob say my income is above $130K (projected), and I'm might be living rent free so low expenses. But one of my jobs is a personal biz thats hard to prove exactly how much I pull in (I don't even have an LLC, it's just in my name and I mostly deal with cash). I got check stubs for around 60K and 70K is personal biz if they require income verification but I'm hoping that won't matter too much. BTW - I see some NFCU Love here. I joined NFCU 6 months ago. I got a credit card (now $8K) with first $3K i used towards a balance transfer to help reduce my interest rate costs. Not sure they'll give me a loan with my score. I don't want to apply unless I have a good chance. Any advice on what to do?? Prob will end up paying $17K in interest for next year if I don't re-finance the credit card or win the lottery.