New job from 50 to 90K. Finally at the point where I can tackle debt. Have 65K in student loans and 7K in CC debt. Need some recommendations.

1. Can I transfer my current credit card debt to another card with 0% interest for 12 months with the same bank or do I need to switch. How should I go about it? My plan is to pay this off first.

2. Should I start to pump $500 a month into a Roth IRA or should I put all remaining income (sans rent, utilities, food, phone, miscellaneous, emergency fund) towards my student loans first?

Additional details: Mo. rent/utilities = $1500, phone = $90, neflix+spotify+treehouse = $50. Food/drink can vary. Travel minimally.

Submitted April 21, 2017 at 04:22PM by easypeaseyjapanesey http://ift.tt/2pMzNqU