Is it permissible to take a loan from a cooperative with a lower interest rate in order to pay off an interest-bearing bank loan and other debts, so as to avoid reaching a stage of being unable to pay rent?

It is not permissible to borrow with an increase (riba/usury) except in cases of extreme necessity, such as fear of perishing. Repaying debts is not one of these cases. Whoever fears Allah and relies on Him, He will provide for him from whence he expects not, and He will suffice him in what worries him.