John Dough has just been awarded his degree in business. He has three education loans outstanding. They all mature in $5$ years and can be repaid without penalty any time before maturity. The amounts owed on each loan and the annual interest rate associated with each loan are given in the following$$ table:

$1$ $$19,0004\mathrm{.}5\%$

$2$ $$8,0007\mathrm{.}5\%$

$3$ $$37,0003\mathrm{.}5\%$

John can also combine the total of his three debts$($that is$,$ $$64,000)$ and create a consolidated loan from his bank. His bank will charge an annual interest rate of $6\mathrm{.}5\%$ for a period of $5$ years. Should John do nothing$($leave the three individual loans as$$ is$)$ or create a consolidated loan$($the $$64,000$ question$)?$

The weighted average annual interest rate on$$ John's current loan portfolio is$\_\_\%?$