Subject to the limited info in your post, here are my best answers to #1 and #2:
#1: ABSOLUTELY YOU CAN!!! I started with a student loan debt of $160K in 2002, so I know the feeling. With some determination, you'll make progress - never fear.
#2: If there is no other reason to move, NO DO NOT SELL YOUR HOUSE!!! Here's why:
- You don't have a lot of equity in it. Chances are that after closing costs you'll net only about $20-$30K, and then you'll be paying the equivalent of your mortgage interest in rent. Hardly worth it after you factor in moving costs, etc.
- You say you don't own a car, which means your house is well situated to let you run errands and get to work without one.
- Given enough time (usually 5-7 years) owning is far more cost-effective than renting.
- It will take an enormous amount of time and energy. You may get a better per-hour profit by investing that time & energy into a side gig.
If you continue as you are, you'll dispose of that debt in about 5 years. That's not too awful, but here are a few ideas to help speed things up.
1. Look for opportunities for advancement at work, or perhaps move on to another job if needed to increase your income. This is far and away the most important item on the list. In fact, it's sufficiently important that your $100/year on clothing budget needs to be increased, as your appearance (especially if you're a woman) is a big factor in how people view you in the workplace.
2. Definitely refinance that 7% student loan if you can. If you can't, look for ways to borrow at a lower interest rate and sink the money into the student loan, thus paying it down in chunks while managing multiple lines of debt. Some ideas: Look into a HELOC, to unlock whatever equity you can get from your house. See if you can qualify for credit cards with a 0% introductory balance and a reasonable fee for cash withdrawals. Just be careful to pay those off before the full interest rate kicks in. Finally, is it possible to borrow from family members? Work out a deal where you pay them something like 3% interest.
3. If you have spare time that won't interfere with your pursuit of #1, get a side gig going for extra income. There are several useful threads on that. Find stuff in your house to sell, too.
4. Rethink that one year emergency fund. At your age and in your location, it shouldn't be that difficult to get a new job that at the very least pays your half of the mortgage and weekly spending budget. Also, consider if you have family who could help you out in a pinch. That $25K is costing you 7% interest per year to hang onto, or about $1800/year. Until your student loan is down to something reasonable, you might reduce that fund to 3 months expenses (current costs + COBRA).