I decided not to consolidate them but rather to put them on a graduated repayment plan. It frees up money but doesn't increase the time of the loan. Granted, it does make the overall payment more, but it's doable in two years for the increased payment. Time will tell....

Anyway, it's time to go home and make dinner. No money spent today on my end. DH on the other hand is buying my birthday gift. I wonder what it is and what it will cost....