Where to loan for loan consolidation?

Hi, I have 200k+ loans from different people due to medical bills. Interest nila is ranging from 7-10% monthly and stretched out throughout 2025. I'm employed for 2 yrs and 4 months and earning gross 27500 a month, necessities around 10k(bills, food), then rest is hulog na and no room for emergency fund for meds. I'm thinking of loaning from banks which has lower interest rate for consolidation Sana which might solve this but lagi akong rejected. Union Bank requires me ng credit card atleast 3 months na, then rejected sa BDO, Metrobank. Anyone knows ng new user friendly na bank or loaning institution? Will be appreciated. Thanks