Balance transfer/.stuck in a debt trap

Hi I need help
M 22 living in Australia
I’m stuck in debt trap
I have to pay 250k on my credit cards
I was rotating money from last 6 months by doing rent payments but now I’m getting extra charged on rent pay from bank and merchant aswell
I lm currently employed but the thing is I’m saving money for my college fees which I have to pay in next 3 months I’m thinking of doing a balance transfer from multiple ccs to one icici which have limit of 420k i tried applying for a personal loan but I can’t get it coz I’m in Australia I can easily pay off the money in next 8 to 10 months I need help and guidance to pay off these debts without paying hefty interest I can just stop paying the money but I don’t want my cibil to get effected