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@kimmywimmy Yeah, it can be tough. And things always happen at the same time.

@kimmywimmy With this calculator and taking $150 off of the interest for the 5 months at 0% for loan 4 you can pay this all off in about 14 months with a total of about $500 in interest. After seeing the numbers consolidating this all into one loan is maybe not worthwhile since you can pay it...

@kimmywimmy Pay off 1 and use the rest to make a dent in 2. Find a local bank, or even check for online options, with a good reputation for not screwing over their customers and inquire if you can refinance the rest of 2 and 3 for a better interest rate. 10-15% interest will still be a lot but...