Hey, if eggplant Elaine (my new nickname, apparently) can start clawing out of the hole, you can too.
I graduated in 2004 with student loans, credit card debt, and a consumer loan I took out to pay off the taxes I forgot to save up for in my job as an independent contractor. Granted, my mom helped me a bit a year ago, but it's still a rush to pay that crap off.
My bank is USAA -- they're great, but only avaiable to military and their families, I think. (My grandpa was in the military.) They had an online guidance system that helps you choose which kind of investment to pursue, and since I have no emergency savings (it's all going to paying stuff off), they recommended money market. Which is interesting, because my boyfriend also recommended me starting a money market savings account, except that the usual minimum to start is $2,500.