Why do I keep getting denied for debt consolidation loans?

What people tried

Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.

1. 1
   Using debt payoff methods like the debt avalanche or debt snowball approach while making minimum payments on other accounts
2. 2
   Radically cutting household expenses and lifestyle costs
3. 3
   Exploring alternative lenders or credit unions like Navy Federal or LendingTree
4. 4
   Having a spouse co-sign the loan
5. 5
   Applying through a local credit union
6. 6
   Cutting spending and increasing income to pay off high-rate debt manually

In their words

Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.