<prompt> Human: I have an 87,789 student loan balance. I recently came into a a 40k inheritance. I need your advice rpersonalfinance on how to approach applying this inheritance to my loan.Should I consolidate my loans first? Or should I pay the ones with the higher interest first? If I consolidate, will I lose my ability to qualify for Income-based repayment plans? What kind of payments will I be looking at after the 40k is applied to the loan?Heres an image of what my loans look like.Any help would be appreciated. Thank you everyone!EDIT: You all have been extremely helpful. At one point my loans really made me consider suicide, but I know now there are real options and I dont have to go that route. Please accept my sincerest thank yous to everyone. Your expertise is very much appreciated.  <response>: Keep 5k as an emergency fund.Throw the other 35k at your highest interest loans. My vote: the 23k and the two 5k ones first to get those completely out of the way. 