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[quote=Anonymous]OP - You need to create a budget and track every penny for a few months.  I personally like YNAB.com, but there are many online apps out there.  They import your income and track every credit card charge, utility payment, etc. and you can categorize them into various buckets such gas, electric, misc, eating out, alcohol, student loan, car loan, etc.   It's amazing how much of a budget can be eaten up by the little things, a trip to CVS for shampoo, ordering in instead of cooking because you are exhausted, bring a bottle of wine to a friend's house, etc.  Once you have 3-4 months of expenses you can see how much you have left over each month.  That amount (minus some percentage to be prudent) will be what you can afford for PITI.  Then work backwards to figure out what loan you can afford.

Although there are different schools of thought on this, I would start some college savings in a 529 if you can.  If you invest in the plan in your state you will usually get a small tax break.  I'd also pay a little more than the minimum on your highest interest debt each month.  I think most would agree here that your debt isn't "good" debt, meaning you aren't using it as leverage to make additional money.  So you should try to get rid of it as soon as possible.  I know that seems daunting given where you are in life, but even a few extra payments a year make a huge difference.

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