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Even if your retirement accounts do not allow for loans, you may consider few other options as well.
You may consider to transfer tax-free your IRA, 401k from a previous employer, and other qualified retirement account to your Self-Employed 401(k) plan. After this, can borrow up to the lower of $50,000 or 50% of the balance in your Self-Employed 401(k) account. This type of loan is tax-free and penalty-free as long as it is paid back timely. Your principal and interest payments go back into your account. Therefore, a loan from your Self-Employed 401(k) can be smarter than a taxable withdrawal from your IRA (loans from IRAs are not allowed) or other retirement money to consolidate debt.
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Unfortunately a SEP IRA does require that you are self-employed and are earning an income from that employment. Even though you have a job, you could still be self-employed in addition. Opening the SEP IRA may be difficult and there are many restrictions about borrowing against it to payoff personal debt. Borrowing against any retirement account to payoff personal debt is a problem. Its' considered very risky and not what the accounts are made for. It is possible to make it work and you could also look at a self-directed IRA, but these are difficult to get set up and there are many guidelines and legalities. You may even have to pay fees to get help with setting all of this up legally (attorney). ANyway...its never completely suggested to raid retirement money to payoff debt, but this is a large amount of debt that you need to find a way to get out of. Debt free is best! Contact the credit card company(s) and workout a cash settlement for hardship and then come down to an exact amount that is needed to settle and payoff. Then only look to withdraw the lowest amount possible and whatever is left, transfer to a new IRA and start rebuilding it with the monies you would have spent on credit card payments.