Can you please help me understand my school loans?

Can you please help me understand my school loans? Boring numbers and interest rates within. I'm embarrassed that I don't understand this stuff but I guess it's better to ask and learn... I have two loans, a private loan and a Federal loan (which I consolidated several years back from Federal loans with higher interest rates). I have enough money to pay off one in entirety, but I'm not sure which one to do so to save the most money. Loan details below: Private Loan Original principal balance: $12,632 Outstanding principal balance: $5,297 Interest rate: 5.0% months remaining: 59 months (by 5/28/2013) monthly fee: ~$112 Total amount to be repaid (from this point to end of loan term) $6,563 Federal Student Aid - Direct Subsidized Consolidated Loan, Fixed Interest Rate Original Balance: $14,203 Principal Paid $10,085 Interest Paid $3,567 Interest Outstanding $9.59 Outstanding principal balance: $4,118 Interest rate: 6.075% months remaining: 26 (by 10/14/2010) monthly fee: ~$164 Note: The Federal Student Aid website was much more confusing than the private loan one and I could not find a "Total Amount to be repaid (from this point to end of the loan term)" Several questions: 1) Which loan should I pay off completely right now to save the most money? 2) Does the interest outstanding amount of $9.59 mean all the interest for the loan was loaded on the front and I'll be repaying capital only from this point forward? Or is that only interest due this month based up the principal remaining? 3) If I'm going to pay off one in entirety, is there a way to put it on credit card (and then immediately pay the credit card) so I can at least earn points/ miles? The only options I see for 10 day payoff on the two sites involves checks/ direct bank transfers. Thank you for any insight you can provide...