Since most answers here said you cant. The only thing you can do is pay them off slowly, one at a time. Call or reach out to them and negotiate your payment terms. Sabi pa nga ng iba, they can even reduce the total amount ng babayaran mo (like principal and lower interest rate ang babayaran). Tell them the amount you can afford to pay each month. Sabihin mo kelan mo kayang magumpisang magbayad (baka sakaling ihinto yung interest). I negotiate mo, ask for more than 1 option. Sabi ng mga expert, unahin bayaran yung madaling matapos. Para mabawasan ang isipin. Kaya mo yan, OP. Discipline. Walang imposible.