28 years old, college graduate, I work in IT in a high COL city. I have $23k in student loans but I am not paying the interest on them yet because I am in graduate school with 9 months left until i graduate with a Masters of Science. I goto school part time so I work fulltime $58k salary with zero benefits (besides medical coverage) until I am with the employer for 1 year. so no 401k, paid time off or sick leave. I've been putting in very little into an IRA account that I opened on my own $6k in there at the moment. I just started building an emergency fund only about $1000 in there now but I plan to save up to 6 months worth of savings.

Break down from wall of text above:

Salary: $58k/year

Emergency Savings: $1k

IRA: $6k

Significant Assets: Vehicle valued at $5k (12 year old car, own free and clear)

Rent Utilities: $1200/month

Student Loans: $23k @ 0% interest for now (4-6% interest after i graduate)

Credit Card Debt: $45k @ 20% average interest

The reason why my CC got this high is cause I had no choice but to pay for my college tuition on my credit cards. stupid i know but I didnt have a choice at the time. On the flip side I feel like I have a lot more earning potential after I get my Masters degree. $30k - $40k more earning potential which would put me at about a six figure salary, but this isnt until at least 9 - 12 months from now.

I am currently (since January) paying off my credit cards via the snowball method. Every spare dollar I have I am putting towards the CC debt.

Any other advice would be appreciated.