Is there an alternative way to consolidate?

Our credit scores are very good, but recently our debt to income ratio, which used to be around 40%, is now around 65%. The problem is, we need to consolidate to pay our debts quicker with a lower payment and better cash flow, but we cannot get finance because we have not owned our home long enough and neither car is paid off, and our debt to income ratio is too high for a personal loan. Why, since we can pay our debts as they are now, won't anyone consolidate for us? Does anyone know who we could try? We are looking for an alternative to credit counseling, but I have to do something before it gets out of hand.