[Ima saver]

That is great!! Yes, I would transfer to the 0% card and build up your emergency fund of $1000. In a month or two, you will have enough to really start paying down those credit cards. If you get to the savings of almost $3000 a month, you could get those cards payed off before the end of the year.
Then build your emergeny fund up and open that roth ira.
Then saving for a house in a savings accout with decent interest (online?)
Only when everything is done, do you worry about the college accounts. You can borrow for college, you cannot borrow for retirement!!