<human>: Give me the gist of the text in a nutshell

Here's my situation: 

Yearly income: $95k

Monthly household (rent+Utilities): $1650

Total debt: $20k (including some back rent, credit cards, medical bills, and a repossession)

I financed a car a few years back and it got repossessed when I lost my job. I had a number of out-of-pocket medical expenses (my then wife and I both had a number of issues) that kept me from paying on any debt. 

...Then my wife left me this year. I wound up basically draining what savings we had on filing, getting her moved out, deposits on a new place, etc. I agreed to that rather than some fight. All the while, I was working on paying off a number of credit cards and hospital bills she had. 

Long story short, I didn't budget (that's getting fixed this year), and I wound up getting behind on rent, almost 2 months behind. I've floated a payday loan as well as a title loan on my current car. 

I know that if I budget properly, I could totally pay everything off this year. But, what concerns me is that because of the lack of budgeting up to this point, I have been living paycheck-to-paycheck. I've basically been treading water, paying enough to not go past 2 months behind on my rent, and I haven't really been able to start paying out of that deficit (I'm about $2k short right now on that). 

Here's my thought: I wanted to try and get a personal loan to get caught up on my rent, pay off my title/payday loans, and start putting the money that I am using in interest/fees towards paying down the other debt. The only thing is, since my credit basically stinks, I don't know what my options are for actually getting the approximately $5k loan that I would need. 

Do I have any options? My income is really good, and if I could just get these couple of things back on track, I feel like I'd be a lot more capable of paying everything down quicker.
<bot>: Good income, past lack of budgeting, behind on rent, considering personal loan to get caught up on rent. What do?