Is the $20k your emergency fund? I look at the E Fund like this: you need access to spending power in an emergency -- can you pay on your CC and pay it off the next month? Can you withdraw from a Roth IRA penalty-free for a huge, unexpected expense? If so, you can cut down that E Fund.
I would knock out the $13k loan right away with your savings. That makes you more stable month-to-month because it wipes out a payment. You will have $8k in your E Fund. If that feels comfortable for you, then so be it (although, I would consider making it your 2013 Roth IRA contribution if you haven't already contributed in 2013 -- that way it's your E Fund but, if you don't need it, it's earning money for your retirement).
Then I would start off on the right foot with baby, plan for baby to sleep in the loft (or whichever is more comfortable -- loft or BR) and adapt to that until you pay off the $25k loan. To pay that off, I would take a serious look at expenses and see what can be cut. Little cuts make a big difference. I thought we were living frugally, but after posting my budget here, I "found" $700 in expenses to cut. And I don't miss it. You may find that you don't spend a lot during maternity leave because babies are entertained in very simple ways -- walks in the park, wiggling around on a blanket, etc. Although, you baby could be mobile as early as 6 months, and it's likely that s/he'll be mobile long before 1 year -- that's just typically when babies start walking. But they crawl or cruise much earlier than 1 year.