Wow, and I thought we had a lot of debt. We just got married, bring home about $75K between the two of us, don't have a mortgage yet, but are looking to get one around $175K-ish within a year. Between the two of us we have somewhere between $35 and $40K in student loans, and $8K in cc debt. We also have one car loan for $9K.
Here we were nervous that we were in a bad situation - but we're at least saving about $500 a month towards the house down payment, PLUS my DH is putting money into the 401K each month (my job doesn't offer that, it's a crap nonprofit).
My suggestion - pay down the cc debt, and start SAVING!! Try to do both at the same time, even if it's tight! You can always come up with a specific budget each month that you have to stick to. DH and I did that the minute we merged our bank accounts so we knew exactly what we were spending and what we needed to cut back on to meet our financial goals.