Why is it so hard to get a personal loan in singapore? Forget about the banks as i don't qualify. Wat do i do?

I have 3 kids,youngest at 5 months old.how do i consolidate my debts into one easy payment? forget the banks or ge money as that is wat i wanna clear too. I went online and several ppl said they willing to give out loan but i must pay a fee in USD first which obviously i said no to...answers to this crappy situation pls as i need the loan to move back to my house and not stay wit my in laws..