Does anyone know of a lending company or something that can give me a loan $5 to 8,000 with low credit score?

I have been trying so many different ways to payoff my college debt along with some expense from a deceased family member. I just basically want to consolidate everything into a lower payment. I have even checked into other programs that just want me to defer payments until companies agree on closing amount, I don’t want to continue hurting my credit. I just want to pay them off with a loan, and then just make a one payment a month thing which I can pay in less than 3yrs. I am a full-time research associate, so its not like I dont make enough, but since I have a few credit cards and past-paid off accounts from 5-6 yrs ago, I can’t get any help. I even tried through prosper and they said because my score was low, which is about 600-650. Any advice would be appreciated.

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