So you have already looked at what you can cut back - packing lunches and that sort of thing? What is the daycare situation - can you look at trading care with another mom who has different hours, or volunteering some kind of service at daycare to cut the cost? If it doesn't creep you out, can you shop at thrift stores for clothing? That can really help especially with children's clothes. Do you have commuting costs that can be cut by drive-sharing or anything like that? I'm just randomly throwing out things that come to mind.
Are you eligible for any more deferments? That could give you a little time to build up some savings and get rid of the credit card debt.