Here's my reply: you are asking the wrong people first.There is NOTHING in that list about your girlfriend's finances, or about her interests either, other than having kids beginning when you're in school with little or no income. (Perhaps not the best scheduling.)Take it up with her. Remember that your housing arrangement & expenses will change dramatically when you are sharing space with your lady rather than a couple of friends, and then may change again when the two of you start popping out the mooselets. Factor her other interests and desires - and sanity leave from the kids - into your plans.Before you do that, there isn't much other advice you should be listening to.But here's some of it anyway: either find an investment which pays a GUARANTEED 13%, or pay off the car loan.