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Well, I haven't been here as long as some others, but here is my 2¢ worth:

Bethdig had some great comments for you to think about.

The good news is you don't have to decide tonight.
The bad news is that if you don't have a workable plan you may end up in even worse debt at some point with reduced income.

I think I would first plan to pay something on the student loans to make sure I would be eligible for any future payment. I would not, however, count on any future "free money" as lots of stuff can happen between now and then.(A fact you have also acknowledged)

I would make sure I put some into an e-fund.

I would then make sure I had a plan for debt reduction.

You don't have to post it, but make a list of all your debts showing each debt, int rate, minimum payment, and usage ratio.
That will give you a start to plan your debt attack. There is a debt snowball in the sidebar. Use that to get a handle on what it will cost to pay off your total debt and when you will finish.
I would be tempted to put all the rest of the money to the ccs.

I would make sure you have a budget worked out as well. Yes, we can help with that,too.

Molly
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