Debt/Saving & Car Repairs

[phimag512]

Hi, I'm new to this site and here is my current situation:

35, not married with no kids
Income: $48k/yearly
Rent/utilities/cable/internet:  $730/mo
Food/Miscellaneous: $300-400/mo

Debt:
Credit Card Debt $11,000 @ 0% 18mo.
Student Loans $40,000 @ 2.75%

Savings:
Roth IRA $5485
401k $7857 (no match) (10% return the past 2 years)

I'm applying $1000/mo to my credit card debt, so I should be able to eliminate that within a year or sooner. 

When that's paid off what should I do about my student loans, should I continue to apply the same amount on top of my $264/mo bill or invest it into my ROTH or increase my 401k?

My second question falls under my car issues.  My car is paid off and has been that way for some time, unfortunately I have been bringing it in for more maintenance than I would want to.  There's a possibility in the future I might have to buy a new engine block.
Should I pay to get a new engine put in or sell the car to buy a new-used one? My feelings are to just pay for an engine, however I've had numerous issues with my Civic ('06) the past few years with water pumps and tensioners that I'm not sure what the right choice in the long run would be.

Any advice is greatly appreciated :)

[JLee]

I am not an investment/finance pro yet, so I'll skip that and go to the car.  What makes you say you would need a new engine? A Civic should easily see 250k+ miles with routine maintenance and the occasional water pump, maybe an alternator and/or starter somewhere along the way.

[phimag512]

You would think so. I'm not a car expert, but basically the tensioner bolt broke off in my engine and I had to get a Shop to drill into it to remove the old bolt and replace it. Apparently this can only be done once after you drill into it. I've also had 4 water pumps replaced in 3 years.