Ch 13 bankruptcy advice?

Hi!

I want your advice please, as someone who's looking into a ch 13 bankruptcy but is not sure at all if it's right for me.

I owe: 23,750 in credit cards, 19650 on a vehicle loan, 21,224 on a personal loan from a short sale I completed this year, 26,575 on student loans.

I have a good income, around 145k annually.

I'm a single mom who got divorced this year and have one child.

I currently live with my parents and am able to put about 750-1000 extra towards debt each paycheck but it feels like I'm drowning and making no dent. Also I'm only able to make any dent because I'm living at home, if I move into my own place I'm going to be underwater/breaking even (which I do obviously hope to do soon).

I'm also anticipating a good amount owed in taxes this year from having to short sale a home.

I'm nervous about getting into bankruptcy and not being able to rent a home amidst it all.

Any comments on your experiences/advice would be lovely and welcome. Thank you!