Help with Personal Loan $18,000

I have a credit score in the 720's. 10 years established credit history. I have stupidly racked up about $18,000 in credit card debt and have come up with a plan to pay it off within a couple years... I just need to find a way to consolidate. I literally have contacted every bank and credit union in town. No one is touching personal loans and if they do, they want a 1 year term. I tried lending tree and the only offer that was made available was lending club at 13.5%. I ideally need to be about 11% to make this work, 10% to come out ahead. I know I am asking for much, but does anyone have any ideas?

Thanks,
Tim

Lending Club would have been my suggestion. What about credit counseling? Can they lower your rates enough to get you out of debt by your target date? It doesn't hurt to ask!