To echo what u/flocking_north said; if your personal bank or local credit union isn't able to do anything like a secured consolidation loan for you, you're pretty much at the mercy of predatory loan companies. Only advice I can give is try and stay away from unsecured (revolving) lines of credit. These will have higher interest rates and are more likely to create more risk for you down the road.

You're better off looking at programs that can help subsidize your food, heating, etc. to free up more of your income to pay down debt.

Everyone needs help sometimes. Don't suffer for pride. You'll get through this.