Keith has two student loans. One is a loan of $19,000 at an APR of 6% for 12 years; the second is a loan of $25,000 at an interest rate of 7% for 8 years. Keith is considering consolidating the loans and has found a bank that will loan him $44,000 for 10 years at an annual interest rate of 6.5%. If Keith is trying to pay off the loans and pay the least amount of interest, should he take the consolidation option? (Assume Keith makes a monthly payment for each loan. Round your answers to the nearest cent.)