Can't you refinance the 10% one? My unsecured personal line of credit that's fully dischargeable in bankruptcy only charges 6%. 10% is a massive ripoff. I'm on

Can't you refinance the 10% one? My unsecured personal line of credit that's fully dischargeable in bankruptcy only charges 6%. 10% is a massive ripoff. I'm only a couple of years out of school so don't think I'm rich or own property or anything.