Overall, the concepts are similar but much depends on your interest rate; you can certainly use the amortization schedules and plug in your numbers. 

Here are the main differences between the mortgage loan and the consolidation loan: 1) the interest on the consolidation loan would most likely not be tax-deductible (so you have less incentive to hang on to that loan); 2) the higher your loan rate, the more advantageous it is to pay it off early as there is less difference between what you can earn in the stock market and the rate you are paying. At 6%, it doesn't make as much sense to pay off the mortgage loan early; at 8%, it starts getting more reasonable. Having savings, investments, money to have fun (to me) is always a good idea.

I graduated a while ago so I don't know a lot (right now) about student loans; but there may be some features to those loans that you would want to keep (rather than consolidating) (that is, can you defer the payments without adding interest until you find a job?). Variable rates are not necessarily bad in themselves but if the rate can rise substantially above the 7-8%, then locking down a rate makes sense.