Focus on a budget instead. With $100k (pre tax) income, you should be able to knock these down fast with a tight budget. It might suck for a few months, but you can do this without taking a loan. Time is what kills, if it took you a couple years to pay it off, then yes, saving even 5% interest might add up, but if we're taking a year or less and on those amounts, the savings is probably in the hundred of dollars at most, if you're serious and pay it off fast.

Trust me, it'll feel good even if it's a hard few months. Make an aim that you guys hunker down from now until maybe end of July on just being really focused. Cut some streaming plans, cut the eating out, ditch a gym membership or whatever if you can and just go for runs outside etc. This is doable based on your income and willpower.