<prompt> Human: Finished architecture grad school with 85,000 in debt. I currently make and make 69,000. I live in California and my expenses are about 3000 a month rent, loan payments, food, car etc... I just finished paying off my credit card loans, and now Im trying to figure out what to do with my student loan. 7 interest seems crazy to me. I have about 8,000 saved for an emergency fund and just starting an matched simple IRA with my employers bank. Any thoughts on whether or not consolidating can help this out? or is it better to stay with this and slowly up my monthly payment?Here is a short look at my loans: UNSUB STAFFORD LOAN 6.55 667.55 STAFFORD LOAN 6.55 8,184.19 STUDENT PLUS LOAN 7.65 6,262.23 STUDENT PLUS LOAN 7.65 11,117.54 UNSUB STAFFORD LOAN6.55 6,943.26 SUB STAFFORD LOAND 6.55 8,184.18 SUB STAFFORD LOAN 6.55 8,184.18 UNSUB STAFFORD LOAN 6.55 13,156.26 STUDENT PLUS LOAN 7.65 12,658.02 SUB CONSOLIDATION LOAN 3.375 10,282.99  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically fix your sections that had incorrect line breaks:--- UNSUB STAFFORD LOAN 6.55 667.55 STAFFORD LOAN 6.55 8,184.19 STUDENT PLUS LOAN 7.65 6,262.23 STUDENT PLUS LOAN 7.65 11,117.54 UNSUB STAFFORD LOAN6.55 6,943.26 SUB STAFFORD LOAND 6.55 8,184.18 SUB STAFFORD LOAN 6.55 8,184.18 UNSUB STAFFORD LOAN 6.55 13,156.26 STUDENT PLUS LOAN 7.65 12,658.02 SUB CONSOLIDATION LOAN 3.375 10,282.99---I am a bot. Contact pentium4borg with any feedback. 