Your first step is to reduce your expenses as much as possible so you can throw all that extra cash flow at your loans. If you haven't read MMM's "Debt Emergency" posts, do that now. Because you are in a debt emergency.
The basic idea: Since this is an emergency, you need to go into extreme frugality mode. Track all your expenses and cut them down to as bare-bones as possible. Tackle the big expenses for sure (housing, transportation, food) but don't forget that little expenses add up.
General suggestions:
Your cars are eating up a MASSIVE amount of your money. You need to get rid of those money-sucks to free up cash, which you can use to quickly pay down debt. Sell your car to pay off the loan, and work on figuring out how to get out of the lease on your husband's car. If you NEED a car, get beater and limp it along, driving only when strictly necessary. Use bikes (or buses or your feet) for all transportation within a few miles of your home.
Where do you live? If you rent, can you look for somewhere with cheaper rent? If you own, can you look for a roommate to help with mortgage and utility costs? Again, this can save hundreds every month.
Write all your debts down, along with their corresponding interest rates. My guess is the credit card debt is the highest interest, so you'll want to obliterate that first while paying minimums on the student loans. Then start going at the student loans.
Stay positive- you'll have to make changes that right now will probably seem unbearably hard. But just like anything, once you made that life change, you'll adapt and probably even begin to enjoy it. Look for free ways to enjoy yourselves- rent movies from the library, check out free events around town, etc.