A method for computing a loading of a wideband communications channel in a wireless communications system, comprising: setting up a loading table for the wideband communications channel comprising a plurality of narrow band communications channels, wherein the plurality of narrow band communications channels are combined into the wideband communications channel; obtaining channel characteristics of the plurality of narrow band communications channels; determining a practical bandwidth of the wideband communications channel for a data transmission transaction; deciding on a number of data streams to perform the data transmission transaction and selecting one or more peer communications devices for receiving the data streams; performing the data transmission transaction with the one or more peer communications devices; monitoring the number of data streams to the one or more peer communications device and updating the loading table with the information about the practical bandwidth of the wideband communications channel, the number of data streams and duration of the data transmission transaction, and computing the loading of the wideband communications channel according to the practical bandwidth of the wideband communications channel, the number of data streams and duration of the data transmission transaction by using the information in the loading table in accordance with a pre-determined formula, wherein the number of data streams is decided and the one or more peer communications devices is selected in accordance with a grouping rule, and wherein the grouping rule is to find a grouping that has the best utilization of the wideband communications channel according to the information stored in the loading table. setting up a loading table for the wideband communications channel comprising a plurality of narrow band communications channels, wherein the plurality of narrow band communications channels are combined into the wideband communications channel; obtaining channel characteristics of the plurality of narrow band communications channels; determining a practical bandwidth of the wideband communications channel for a data transmission transaction; deciding on a number of data streams to perform the data transmission transaction and selecting one or more peer communications devices for receiving the data streams; performing the data transmission transaction with the one or more peer communications devices; monitoring the number of data streams to the one or more peer communications device and updating the loading table with the information about the practical bandwidth of the wideband communications channel, the number of data streams and duration of the data transmission transaction, and computing the loading of the wideband communications channel according to the practical bandwidth of the wideband communications channel, the number of data streams and duration of the data transmission transaction by using the information in the loading table in accordance with a pre-determined formula, wherein the number of data streams is decided and the one or more peer communications devices is selected in accordance with a grouping rule, and wherein the grouping rule is to find a grouping that has the best utilization of the wideband communications channel according to the information stored in the loading table.