My school loans are stressing me out...?

What are you going to consolidate? 80,000 at 6.8% is not that bad of a deal, the payment terms are generally 10years. Geez, you should really look or should have looked into grants or scholarships, grad school is going to push you way over the 100k mark. You have a deferment of 6 months until repayment begins on student loans also.