[sweeps]

Based on my very rough estimate, you should have about $1250/month after your expenses and minimum payments. (I assume you're living at home, hence no rent?) If this is the case, you should be able to pay off the personal loan and the credit card in about 3 or 4 months, while putting some money in your savings. Then start paying down the car loan.

GMAC (gmacbank.com) is paying 4.75% on its money market right now. HSBC (hsbcdirect.com) is currently 4.8% and should be announcing its new rate in the next few days. Could go up, could go down.

Haku has very good suggestions on saving some money.

You should also be looking at retirement plans. Since you're first starting out and presumably your income will go up in the future, a Roth IRA would be ideal.