Our Debt

Debt we have paid off (only listed when a loan is complete):

$2000-Ring (credit card, paid during grace period with 0% interest)
$1500-MST Student Loan-Phil (paid during grace period with 0% interest, through MST)

TOTAL: $3500.00


What we have left, in order of debt snowball:

$2076.41-DIRECT Student Loan-Phil, minimum $50.00
$2567.67-MOHELA Student Loan-Anna, minimum $26.79
$3016.32-Hospital Bill for Charlotte's Birth, minimum $100.00
$3524.71-MOHELA Student Loan-Anna, minimum $41.29
$3600-MST Student Loan-Anna, minimum $40.00
$5387.70-MOHELA Student Loan-Anna, minimum $63.10
$5429.31-DIRECT Student Loan-Anna, minimum $63.30
$6369.61-Credit Card, minimum $153

TOTAL: $31,971.73

We'll get there, but it feels like its going to be a very long time!! Plus, I think part of those minimums go to interest, which I don't think is listed in the amount of the loan, so less actually goes to the principal.

Will edit to add starting balances of all debt listed above.

Consolidated Loans... Kind of

So, I was looking at one of our student loans, about 11k, and upon further investigation, it seems that it is actually 3 separate loans, lumped together... or consolidated (by the bank, not me). Reading a little more, any extra payment will be split across all three loans, unless otherwise specified. I guess I'm just a little confused on this snowball, should I pay off the lowest of those three loans (its what comes next) and have them put all the money towards that loan, then work on the next, or should I just keep them together and call them one loan? I don't think there will really be a difference financially, maybe emotionally though. One loan, suddenly turns into three smaller ones...

Anyone thoughts?