How can I get out of debt and get the house I desire?

We owe $24,000 in credit cards, owe $90,000 mortgage (worth $135k). We brought land in 2004, 2 acres hoping to build dream house(paid $45k and owe $32k). But with housing slump we rent the house for $1250/month to section 8 family in Dallas. We live in an apt. and pay $750/month.We have 2 sons 12 and 14. 0 savings, no 401. We're unsure if we should build, buy other home or move back into previous home. We just got a loan from Wells Fargo for $18,000 at 11% for 120 months. We had to take the home off homestead for Wells Fargo to do the loan. Online I got a loan from Pentagon Credit Union for $25k at 8.99% for 60 months. Wondering which one I should take to consolidate bills? I know I should be saving for the boy's college also. What is your best serious advice? Husband and I make approx. $90,000/year. We owe about $22,000 on 2 cars. When I took a lower paying job 2 years ago, I used my card to purchase groceries/gas. Now I don't use the cards but the fees have doubled the balance.