Thanks for the advice everyone!
Also, I forgot to say, the interest does not start kicking in for the parent plus loan until November. So that gives me time to aggressively pay of the credit card debt before hand. Also, If I teach in a low-income school district for 5 years, around half of my 27K of federal loans will be forgiven. Additionally, I am getting a free masters at John Hopkins in education for the next two years. (Essentially free, I have to pay about $2000-3000, but thats a bargin for a masters degree).
Currently, I am "pregnant" with my car, however, I love it. I am not liable for any mechanical failures since its under warranty and the only thing I am responsible is for oil changes and so on. Plus, it gets 40mpg since its a smart car. i did the math aggressively, and it is cheaper than my older Volvo S70 which got 17MPG in the city and was prune to mechanical problems. Hind-sight-20/20, would a geo-metro be more practical, yeah. But the damage has been done.
Plus, depending on my workload, I can probably find a 2nd job on weekends and use that toward loans. Also, I realized that Baltimore has great real-estate for renting. For example, many small townhouses can be had for $75000 and there are many students (John Hopkins) and I could also network with future teach for america teachers for tenants. So thats what I would love to do in 3 years time. Is it practical? I guess I would need to save at least 15-20k for a downpayment on the mortgage.