My sister got on to one of those debt consolidation schemes and it helped her out. Sure its a temporary black mark but she’s now in a position to be able to get a mortgage again so its better to take a few years of bad credit and get yourself sorted then to try and dig your way out of debt with more debt.
As for “27 and still with the folks” these days that’s not at all unusual, you have to play the hand you are dealt and no be overly concerned about the standards of past generations because things just aren’t the same.
Do whatever will get you a chance to reset, and be honest with your family as hiding things will only come back to bite you.