Thanks guys
In addition, I found out today that I only have about $5k left in student loans. On my next day off I'm going to be going to two different banks (really hoping that Ryan's bank can just do what I would like them to, for ease of joint savings account) to discuss options that should simplify and hopefully expedite the paying off of my credit card debt (I don't have a lot, but I don't like having any at all!!), and then I can throw myself toward getting rid of those student loans.
Then I can be DEBT FREE!!
...then I can buy a house.
And never be debt free again