"I'm 25 yrs old. steady job, about 10k in credit card debit, 70k in school loans."
Some friendly advice:
Lay off the credit card. Pay it off ASAP. Credit card debt is like endentured servitude.
If you can't buy something with cash, don't buy it.
Save some money up front. Put it someplace safe and don't blow it on booze, strippers, and lottery tickets. This is your EMERGENCY money. This is the money you use INSTEAD of putting things on your credit card.
Sorry if I sound like your parents, but I hate to see this stuff happen to people. My brother screwed himself over with credit cards... twice. Both times, he racked up about 30k in credit card debt. He tried to declare bankruptcy, but didn't qualify. So, he's pretty much hosed. Do NOT let this happen to you.
The student loans are something different.