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I have a defaulted on my student loans, and are in collections now. I have (4) loans at the following amount/rates:

-$342 @ 5.6%
-$6,771 @ 6.8%
-$813 @ 3.86%
-$1,152 @ 3.86%

Question being is I am going to consolidate them keeping them in the Federal loan arena for a rate of 6.1%, however in about 2 months I will be able to pay $1000 of it in one go.

Should I wait to consolidate and pay towards certain loans (if so which ones?), or just consolidate now and then take the $1k and pay into the principal?

Thank you in advance!
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