Having fun time is a good use of your money.
We know intellectually that money can't buy happiness yet we spend and go into debt as if it does.
Don't let people scare you from a career that may not net you a six figure salary. If you want to be a teacher, teach. But knowing that your salary may only reach a certain level, do all that you can to become the best money manager you can be.
Light has a way of keeping people honest.
Once you finish paying for college you could reduce your life insurance.
I use a "Debt Dash" approach to paying off debt. I recommend people focus on paying off the debt with the lowest balance first. So if the primary has less debt you would focus on that.