That is a lot of info to take in.....
Have you consolidated all of your student loans already? It may be wise to consolidate all three into one loan. I would consolidate them into one loan (if you can) and pay the minimum each month plus the interest. Your loans are small enough that when you start earning more you can pay them off rather quickly but in the meantime enjoy the tax benefit. I'd continue to pay the monthly payment on the car.
My best advice would be to save as much now as you can as you should have 6 to 12 months worth of living expenses saved up just in case.
What kind of business will you be opening? Will it be viable? Would you have investors? What if the business does not do well; are your parents going to be okay with you living at home another few years? What about you; at 32 don't you want to bring a girl (or guy) home? Have friends over? Have some privacy? Please understand that I am not trying to be rude or make you feel bad...and I have rewritten this like ten times because I was coming across to harshly..but I just feel that by living at home (at 32) things are too safe for you. I think you should use your degree, get a new job, get your own place and then start your business small at first and then as it grows leave your 9 to 5 and focus only on the business. I am a little sensitive to this situation because I have a sibling your age that is still at home and my parents really want my sibling to move on but they cannot for a muriad of reasons. My sibling being at home is holding my parents back and it really upsets me. Not saying you are holding your parents back, just explaining why I am giving you advice that you did not ask for 
Anyway, back to your original question: I would seriously just make the scheduled payments on your loans (principal and interest) and car payment and focus instead on saving as much as you can for living expenses for the year just in case. Oh, and pay off the credit card once the 0% interest expires.
No hard feelings and good luck with your business!
@Anonymous wrote:Greetings,
It has been 2.5 years since i visited this board. Back in 2015 - i was in a pretty bad financial situation. (a lot of credit card debt and i needed a new car). Needless to say - my credit situation has greatly improved over the last 2.5 years.
PROS:
- I have a roughly $21,000 credit limit between all of my credit cards.
- All credit card payments have been made on time for the last 2 years.
- I have 824 FICO score , per Chase.
- I have a 800 CreditWise score, per Capital One - TransUnion.
- My takehome pay is $684 weekly.
- I have $11,900 saved.
- My rent is pre-paid through May 2018.
- I have $9019 in my 401k.
- My auto insurance is paid in full through June 2018.
CONS:
- I am 32 and i still live at home with my parents, $200 rent monthly. (i know i should be paying more)
- 2 credit inquiries.
- I owe $2600 on a credit card that has a 0% APR rate.
- I owe $13,829 on a auto loan at a 5.29% interest rate - $347 monthly payment.
- I owe $2080 on a student loan at a 3.4% interest rate - $25 monthly payment.
- I owe $4092 on a student loan at a 3.4% interest rate - $49 monthly payment.
- I owe $3300 on a student loan at a 4.5% interest rate - $41 monthly payment.
Conclusion -
The above is not bad. Unfortunatly, the worst part is... i was laid off by my employer. I worked there for over 10 years. I now work for the outsourcing company. I will have employent with them through September/October of 2018. Afterwards, i will be let go. I want to start my own business this year. This busness venture might cost around $10,000 to get off the ground.
I am having a tough time now deciding on the below options:
A) Continue to pay the minimum payments on my auto loan, student loans and the credit card? Meanwhile, i will have a good amount of money to start up my business venture now.
B) Pay off a lot of the above debt now. (If so, which should i target?) and not have much money to start my own business venture in the coming days/weeks ?
@Anonymous Mods - I do not know if this thread should be in this forum, or another sub-forum.
Thanks~
1. I don't think you should use the money you're going to need for the business to pay off your personal loans at this time; obviously you're managing the debt well or you wouldn't have an 824 FICO score (Are you sure it's a FICO score, not a Vantage score? Vantage scores are meaningless).
2. If you want a good source of backup borrowing, in case you get into a pinch, my suggestion would be for you to become a member of a credit union which has either (a) a low interest, no cash advance fee, no balance transfer fee, platinum credit card (e.g. PenFed or Langley), or (b) a low interest personal line of credit.
3. When you set up your business checking account, do it with a bank that offers a business line of credit. Don't apply for one, though, until you've been in operation for awhile.
4. When you start operating the business, open up a few "Net 30" accounts to start building a business credit history.
5. If at some point you apply for a business credit card, stay away from Capital One and TD Bank; each reports to your personal credit.
