Debt Consolidation?

I have tried everything to control and consolidate my debt. Personal finance loans, switching credit card balances to low apr cards. I was out of work for about 5 months and now my debt/credit ratio is in the crapper. Now I cannot do anything. I tried a personal finance loan, signing up to switch cards, and no one will touch me. I have a good credit score, I never miss a payment and when you look at how much I dole out a month compared to what I would be paying on a loan, I would p LESS on a loan than I pay a month now. What else can I do? I am drowing under the interest.