Depending on the interest rates, I would pay off those debts and build an emergency reserve before buying a home or investing in index funds. I know, I know, long term average for index funds is likely higher than the interest on the student loans, but student loans have a way of spinning out of control if you get behind on payments due to medical/job loss, and they are not easy to shed in bankruptcy.
If you're going to sell the car, then sell it and use some of the cash to pay off the difference if you owe more than it's worth.
Then, if you don't already, put some in reserve as an emergency fund -- enough to fund 3-6 months expenses. Needs to be something safe and liquid, like a savings or money market account.
Then, if any of the student loans are above about 5% (or variable rate) I would pay those down. Will feel kinda anti-climatic because it's not enough to pay them off, but dropping them down to $45k or $55k is a huge amount of progress.
If your student loans are below about 5% (and fixed rate) I would instead invest the rest in VTSAX. Put it all in and then don't look at it or think about it, just let it ride :)