oan from friends or family
A family member who is willing to loan you the money to pay off other debts may also be willing to do that at a low interest rate, and to be at least somewhat flexible with the terms. There is usually no credit check, and because these loans aren’t reported to credit reporting agencies, your credit scores might actually improve if you use one of these loans to pay off credit cards with high balances.
But if you can’t pay the loan back, you risk your relationship with the person who helped you out. Only the two of you can decide if that is really worth it.