As for consolidation I agree with Brian, kepp them seperate and attack the smaller balances first regardless of it's rate.

You have time to get educated, plan your attack and then jump in. 

I find it offensive and insulting that you would say that about me, attack my integrity and you don't even know me.

Im going to take the education that I paid for and add value to society and make myself some money.Please don’t attack the family that changed my life.

Don't give me a heart attack haha ! 

Your dealing with various government entities attacking you what seems almost weekly.

I care about what I am going into, not where it was.Do you think attacks on REI is going to come at a less or more frequent rate?

Originally posted by @Gail Kaitschuck:...all rescues as well as previous rescued retired greyhounds).Everyone thinks their pet is the "sweetest" animal around; even those testifying in court after their sweet pet has attacked another dog or human. 

What niche you’re trying to attack that fits your current situation ?

I would begin by spending an entire weekend planning on exactly how you want to attack your local real estate market.