Considering to pay my debts

I have excellent credit, I have never missed a payment in my life, and I always pay more than requested. I make enough money to pay all my bills...sort of. Looking at my payoff's vs. income, I'll be paying off my debt for the next 5 years minimum with little to no extra money and another 5 years on the credit cards.

This is a problem since I'm trying to go back to college and the student loans they are offering won't even cover half of a semester's tuition.

My question is thus; is there any way in this world that someone will give you a signature loan (basically) without any form of collateral? Short of going to a loan shark, I can't find anything to match what I need. Due to my overzealous spending in my somewhat younger days (car, motorcycle, 2 credit cards with 15k debt, 2k personal loan, etc.) I can barely afford gas to work, let alone college tuition. It's kind of a weird catch 22...I need to make more money to pay off debt, but I need debt paid off debt to make more money.

Long story shorter, if I could borrow 30k and pay it off slowly over 5 years (guaranteed payments per month) I could easily afford college, etc.

I tried going through some banks, but they won't give me a loan due to my overextended credit. Yet, with the loan, I wouldn't be overextended. They say they can't be sure I won't use the credit cards again, so they won't authorize the loan. Again, a catch 22.

I've stopped my bad spending habits (six months since I used my credit card last), but still need some way to make headway.

Unfortunately, I have no home, so I can't get a second mortgage, etc. I need someone to trust me and give me a big fat check...I'll use it to pay off everything else and pay them exclusively.

IS this even possible or am I facing an impossible dream.

-Hagan

P.S. I know I could manage my money better and all that stuff, but it ain't gonna happen. I've managed to kick my spending habit, but now I need help recovering. I need to focus on my strength of payments to get out of this mess. But, without someone taking a leap of faith on me, I'm kinda up the creek without a paddle. Sorry to be so long winded. :D