Should definitely try to refi that loan with Prosper/Lending Club or even a local CU as soon as you can. I went with a loan from Springleaf financial and it hurts my feelings to know I'm paying that much interest and my score is close to 100 pts higher than when I first got it in May 2012. :/
Chap7 discharge 07/2015
Fico 5/1/19: TR:650(73% util)
Cap1(Plat+QS) 3500+4500/Merrick 1600/Express 4100/Overstock 4900.