At 28 I was divorced, working minimum wage and blowing any left-over money on recreational drugs. The year before I had actually spent a night in a shelter. Retirement was not something I had ever even thought about. I was focused on avoiding thinking about my sorry life and my next hit of meth.
You are thinking about things I didn't start working on until I was over 40. That's when I got out of debt and started saving/investing. Even then I got lucky with pensions and the insane level of matching they provide in the government sector. Set aside some emergency cash, then kill that debt. There is probably some math that would indicate you should invest vs pay extra on debt. I'll leave that to others. But debt is a psychic weight. The sooner it's gone, the sooner you can see your way to early retirement.
I envy you. By the time you hit 50 you can easily be one of the people here with 7-figure nest eggs. Good luck!
+1
I didn't have a quarter of the intelligence you exhibit OP at your age.