I had originally posted about 6 months ago about my debt and contemplating declaring bankruptcy: https://www.reddit.com/r/personalfinance/comments/b55aly/68k_in_debt_23k_in_student_loans_45k_in_cc_debt/

So this is kind of an update to that:

28 years old, I work in IT in a high COL city. I have $28k in student loans but I am not paying the interest on them yet because I am in graduate school studying for a Masters of Science degree, I will finish in December (in 2 months).

I just got offered and accepted a job to begin in December paying $93k salary. Right now (and for the last year) been working fulltime $58k salary. Been working FT since 2016 being underpaid (relative to my cities high COL): $30k, $45k and was working PT since 2011 in college but of course very low income.

Break down from wall of text above and additional details:

Salary: $58k/year right now; will be $93k in December 2019

Emergency Savings: $1k

IRA: $6k

Significant Assets: Vehicle valued at $4k (16 year old car, own free and clear)

Rent Utilities: $1200/month

Living Expenses: ~$550/month

Student Loans: $28k @ 0% deferred interest for now (4-6% interest will start June 2020)

Credit Card Debt: $42k @ 20% average interest

The reason why my CC got this high is cause I had no choice but to pay for my undergrad college tuition on my credit cards. stupid i know but I didnt have a choice at the time. I've been working on paying off my credit cards via the snowball method. Every spare dollar I have I am putting towards the CC debt. I no longer use my credit card to supplement my living expenses, instead use only cash/checking account. I managed to pay off $3k from my credit cards last few months, but then took on another $5k in student loans for my last semester of grad school.

So now that I will be having an extra ~$35k income/year I obviously plan on dumping all of that on debt. I've forgone the idea of bankruptcy for now, because I might actually be able to pay all of this off now.

I plan on living in the same dump apartment for now for at least another year and just deal with the longer commute I will have to make (job is in the next town over, about 45 minutes away). But I would probably like to move to that town just to be closer to my job location, cost of living there is pretty much the same as here, may actually be a little higher (go figure) but not much. Any additional advice on how to use my additional income to pay off my debt would be appreciated.