First, my wife's student loans are our absolute highest interest rate, higher even than our mortage. I think they're at 5.5%. Whats the interest rate on the cards? My wife and I have had significantly more money on credit cards than you do and probably had less cash flow. If the interest rate is above 3%, the first thing you probably need to do is get a balance transfer.
When you look for a balance transfer don't get too excited about the initial rate especially if it's in the 0% category. Instead, really study two things. 1, how long will they give you at the promotional rate. The absolute best you can get is for the life of the loan. It's worth going up to about 5% if you get one of these. Otherwise, I find that about a year is a decent one and 2 years is great. 2, what's the balance transfer fee? This is going to added to your debt, so make sure the fee doesn't exceed what you would pay on interest with the current card. It's best to call the company and see if they can give you the transfer on the card you already have. You'll have to talk to a manager for this one and it's worth a try.
Once you figure those out, make a hardcore budget and try to pay off the balance transfer within the specified amount of time before the promotional rate ends. A $15,000 debt transferred to say a 2% card should give you something like $18,000 to pay off.
I don't know what your work/family situation is like, but with a teacher salary and a second job I'm assuming you're making about $35,000-$45,000 a year in addition to your husbands salary. If he's making at least $20,000 then you could pay off this debt in about one year with a 40% savings rate.
So really, the debt isn't that bad. Don't listen to the negative nancys on here. Every successful person has failed, many have had debts north of a million dollars. As long as you use this as a learning experience and hopefully continue your savings rate (along with a good investment strategy) after you pay off this debt, then this financial setback could be the best thing that ever happened to you.
Good Luck and don't worry, relax and have a home brew.