<prompt> Human: This is going to be long. Fair warning.Alrighty, so I found out MOST of the info that I need for my student loans. The two major loans I still have yet to find out the interest rates, but I calculated the monthly payments for those with a temporary percentage 6.8, though it could be higher, or hopefully lower.Here is what I got:Total loan amount: 117, 51410 YEAR PLANFederal:1.Direct stafford Subsidized: 4,500 Interest Rate: 6.00 Monthly Payment: 50.832.Direct Stafford Unsubsidized: 2,000 Interest Rate: 6.80 Monthly Payment: 50.003.Direct Stafford Subsidized: 5,500 Interest Rate: 4.5 Estimated monthly payment: 57.004.Direct Stafford Unsubsidized: 2,000 Interest Rate: 6.8 Estimated monthly payment: 50.00Private:5.Citi Bank: 31,647 Interest Rate: 5.25 Monthly Payment: 2156.Wells Fargo: 35,000 Estimated Interest Rate: 6.8 Estimated Monthly payment: 7.Wells Fargo: 36,896 Estimated Interest Rate: 6.8 Estimated Monthly payment: 424.60Estimated total monthly payments: 1,374.0320 YEAR PLANThe payments will be:1. 50.00 keeping 10 year2. 50.00 keeping 10 year3. 57.00 keeping 10 year4. 50.00 keeping 10 year5. 245.57 241 months6. 267.17 240 months7. 281.64 240 monthsEstimated total monthly payments: 1,002.17Okay, so with that out of the way, I want to know the best way to pay off these things. Right now, my boyfriend and I were in it for the long haul want to take the 20 year plans for now until he graduates college in a year. I dont really make quite enough for the 10 year to be feasible at the moment but we would be doing okay financially at the 20 year plan. Not comfortable, but...okay.We expect him to be making around 60K once he finds a job out of college. Hopefully more, but thats the average starting rate for his field.We have about 5K in savings right now, and I was thinking about paying off the smaller 2K loan right away, and putting everything that I would put into savings toward paying off my loans as fast as possible. So, while I wont be building our savings at all, Ill be putting money into my student loans...Im not sure if that is a good idea or not?Also, what do you guys think about consolidating these loans? Good idea? Bad idea? I feel like I know what Im doing, and that I have it under control, but its always good to be prepared and get advice. I would really appreciate the help!Edit: People are really seeming to latch on to the fact that I have a lot of loans, and trying to make me feel bad about it. I had a substantial college fund, but my father had a heart attack in my first year of college and had to use that money to pay for medical bills and food, so it was either drop out, or take out loans. Please kindly back off.  <response>: Can you get into an Income Based Repayment program? Alternatively, have you considered a job that may include student load forgiveness You could pick up some extra cash and additional forgiveness by joining the National Guard.Finally, you could work a second job and dedicate all of the extra income into paying down the most expensive loan. 