I consolidated with Citibank at about 5% but mine are all federal student loans. The one that wasn't I paid back first. I don't see how you can make $600/mo payments as an FO making maybe $20k the first year. And that minumum payment is only to tread water- not much of it goes to paying down the principal. Maybe it can be done but you're sure going to be living in poverty for a long time. I hate the office with a passion, but it pays a lot better. I choose to delay my entry into the airline industry until I have my finances under control. Good luck!