Hel, Debt Consolidation Or A Hail Mary?

My husband and I make great money, about 160k or more depending on his bonus (manufacturing job). We were making over 200k but I quit my job to be home with the kids. We are in horrible debt- about 38k in loans/credit cards and 58k in vehicles. Lots of stupid purchases and young, dumb choices. Hoping to sell one of those cars to get out of about 30k of that but it's a small dent. Our worst debt is a 10k personal loan we took out for a business that failed. It had a low interest for a period which has ended and I shudder to say what the % is now outloud. The best news is that we have a home with really good equity so I'm considering a HEL to bring down our debt payments and get out of those crazy interest rates. Husband would rather Hail Mary it and work a ton of overtime to at least pay down the highest one. We have two small kids he already misses plenty of time with. Idk how to explain to him what the better option is which, I obviously think would be the HEL. Thoughts?