Have you considered debt counselling instead of debt consolidation?
In the current economic climate banks are very conservative in granting loans. In these cases debt counselling will be a better option.
When you have applied for debt counselling, your debt counsellor will negotiate with all your creditors for a lower and affordable monthly payment option. This will give you more breathing space to live again.
You are going to pay off your loan over a longer period, but see this at temporary until you have found your feet again. You can opt out of debt counselling as soon as your situations improves.
Go to this website for debt counselling help:
http://www.debtcounsellinghelp.co.za