Didn't see length over which financed, so assumed 10 years.
Consolidated
$29,951.82 at 6.25% over 10 years = $336.30/mo, no extra payments: 120 months, $10,404 interest
Separate
$26,627.56 at 6.55% over 10 years = $303.03/mo, no extra payments: 120 months, $ 9,736 interest
$ 3,324.26 at 5.35% over 10 years = $ 35.83/mo, no extra payments: 120 months, $ 975 interest
$29,951.82 $338.86/mo $10,711 interest
Under the above scenario (no prepayments), consolidation is better. But...what about prepaying only the higher interest rate loan? In that case:
Consolidated
$29,951.82 at 6.25% over 10 years = $336.30/mo, $100/mo extra pay: 86 months, $ 7,210 interest
Separate
$26,627.56 at 6.55% over 10 years = $303.03/mo, $97.44/mo extra pay: 83 months, $ 6,543 interest
$ 3,324.26 at 5.35% over 10 years = $ 35.83/mo, $ * /mo extra pay: 86 months, $ 879 interest
$29,951.82 $338.86/mo $ 7,542 interest
*no extra pay on the smaller loan until the larger is paid. Then put the entire large loan payment ($400.47/mo) as extra pay toward the smaller loan. Note the $97.44 amount is to keep the total monthly payments ($436.30) equal between the Consolidated vs. Separate options.
Under this scenario (keep loans separate and prepay only the loan with the highest interest rate), consolidating is still better.