Consolidate all my high interest loans and credit cards into one monthly payment.?

I'm trying to consolidate all my high interest loans and credit cards into one monthly payment. I currently pay over 600 dollars a month. I need to borrow 12,0000 to do so. I have fair credit and have been current on all my payments for the last three years. I have tried prosper.com it is a fake. I had two listings and even tried to join a group. Not even one bid. I have been employed for three years on the same job. I don't understand why I keep getting turned down. If anyone has any info please help. Thanks