Heeeeeeeeeeeeeeeelp! How can I best handle my money?

Question Details: I am beginning grad school in 1 month. I currently receive social security disability and will until I graduate. The problem is I have bills that I need to pay off and credit card debt. I don't think I will qualify for a lower credit card payment and I am at 12% at $3,700. On one doctor's bill I am at 18% @ $ 415 in addition to 18% on a %2,000 personal loan. I also have a store card with $390 probably also around 18%. I hav another credit card with $395 and then I have a couple of $100-150 doctor and vet bills. I was thinking of using stafford and grad plus loans to pay off the debt reasoning that those are negotiable on repayment. Am I right?