Have $25,000 in bills...have great credit..having trouble getting a loan to consolidate...why? PLEASE HELP!!?

I have a credit score above 700..which is really good......make around $34,000 a year...and dont pay rent..I have a credit card that I owe $7000...10% interest...unsecured loan that I owe $5,500..14% interest rate...car loan I owe $13,900 8% interest rate...and I'm NEVER behind on my payments....how can I get a... show more I have a credit score above 700..which is really good......make around $34,000 a year...and dont pay rent..I have a credit card that I owe $7000...10% interest...unsecured loan that I owe $5,500..14% interest rate...car loan I owe $13,900 8% interest rate...and I'm NEVER behind on my payments....how can I get a loan to consolidate these bills into one monthly payment with a decent interest rate if I have no collateral??? I applied to bank of america for a unsecure bill consolidation loan for $30,000 and got denied. Do I have any other ways to solve this problem????? Please help me :)
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