And you've been sitting around THINKING about it happening instantly for a few years.
Sheesh! If you'd put these years into making it happen, instead of waiting for a magical answer, you'd probably be most of the way to a solution by now.
Stop wishing and imagining, and start acting. Stop spending more than you earn. Begin to pay off your debt a little at a time. Make a plan and stick to it.
If you don't change your behaviors, no magic will solve your problem. Someone could pay off your debt tomorrow, and you'd be back in debt within a year. You've got to get your behavior in control, and no amount of instant magic will solve your difficulty.