My first suggestion is to YOU: Don’t get married! You will drown together and destroy your own good credit.
Instead, have her immediately contact the National Foundation for Credit Counseling. If she calls 800-388-2227, she will automatically be connected to the nearest local office. They are helpful, non-profit, and can get the job done.
Do NOT let her fall for a credit consolidation service, which will totally ruin her credit — and charge fees while they redirect her payments to a “settlement fund” so they can make an offer to the card issuers. In the meantime, her credit worsens –and her wages could be garnished.
And she should NOT take money out of her 40l(k) in the form of a loan, or she will be a bag lady in 20 years! This is the time for her to get a second job — while there is demand for workers and she is young enough to work. It might be something less meaningful than her current job — waitressing, or childcare or doing chores for a senior. But every penny extra she earns should go toward her debt!