We address the problem of rate allocation and network/path selection for multiple users, running simultaneous applications over multiple parallel access networks. Our joint optimization problem consists of finding the appropriate application rate allocation and network parameters for each individual user, such that an overall quality metric is maximized. We compare our solution to other solutions based on throughput optimization strategies through extensive simulations, and we show the superiority of our approach. Furthermore, our solution proves to be more robust in dynamic systems, when clients can join/leave the access networks.