Finally going to consolidate

If this needs to be in another sub please let me know.

I am looking for opinions on who is the best lender for somebody with a credit score of 580. The credit score is low purely due to utilization. I have 100% on time payments. Which is such a scam but don't get me started on the credit system in general. Pay my mortgage and every bill on time but I'm ready to be questioned on whether or not I can afford a bill half as much as my current payments lol.

Anyway! I have $36k in debt. Went through some hard times and made payments past the due date and every single one of them has 30% interest. I don't qualify for any with 0% interest to move it. I feel like I'm stuck. I don't spend money on them anymore but can only afford the minimum because I have so many.

Any advice is welcome! I'm just really looking for a bank or online lender who may be specializes in this type of banking. Thank you in advance!