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credit is tanked, cant afford the payments but cant get a loan to help. what do i do?

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Do a google search for Dave Ramsey's site because he has sensible ideas for debt repayment.  You may also notify the credit card companies of your financial shortfall and, while they may freeze your credit for a while so you can't charge anything for a while and can get the payments made.  Not letting creditors know what is happening actually hurts in the long run.  They may be able to help once they know you need it.  Also, if you haven't read the articles provided on this site, I suggest doing so asap.  It will be time well spent. 

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