The solution I'd offer is to run three multiwire branch circuits (6 circuits) plus a two wire circuit. You'll have 7 hots, 4 neutrals, and 1 EGC. Total of twelve 12 ga. conductors is OK on fill, and 8 current-carrying conductors would be OK for 20 amps after derating.
Dave
edited...8...9...8 current-carrying conductors...I'm tired
[This message has been edited by Dave55 (edited 11-02-2004).]