You've got to kill your debt first. If I had debt, it would be all I focused on. Literally. I would eat the same food every day, and it would be lentils, brown rice, squash, and kale. Simple and very cheap. I would never eat out or spend anything on entertainment. I would sell everything I had that was worth anything and couldn't make me money. If you have $12k in debt and make $3k a month, you could have that nailed in 5-6 months and then be free.
You said your unemployed. If I were you, I would take ANY job. Try to find the best one you can, of course, but work at McDonalds if you have to. This will probably be a good experience, will (very slowly) pay off your debt, and will leave a lasting anchor associating debt with having to suffer. It doesn't sound like you were very irresponsible, but the problem with debt is that creating it feels good. It's instant gratification.
If your student loan debt is really low, like under 5%, I wouldn't actually pay that off. I would save up an equivalent amount, invest it in Lending Club, and use a portion of the monthly income from that to pay of the debt.
Hope this is helpful and not preachy. I hate debt (actually, I mostly hate not having a buffer of money invested) so my reaction is probably stronger than normal.