[DSlayerZX]

pay off the credit card debt. How ever, contradicting to everyone here, I would advise you to NOT pay off the student loan.

Assuming you just graduated and have a job, the interest from loan can be write off as tax reduction. Paying off all debt of student loan also means closing some of your longest standing account, which, ironically, will reduce your credit by a shocking large amount (my credit dropped by 50 points simply from consolidation). If you just graduate and have a stable, decent paying job, paying off student loan immediately is simply not a priority. The same money you use to pay off loan can go to your house fund.