If I were in your shoes, I would start with a more detailed budget then and I would absolutely include the student debt into the budget. Even though you aren't paying it atm pretend you are and really get to the bottom of how much money you have in excess each month.

You're not lost, you're here! You made it. Step 1, complete!

The next step, step 2, is a bigger step. Education. We are all learning, because all of our lives and situations are all different and always changing. The terms you are seeing here and in the link above, look them up and start to learn how the different elements map to your situation. A big thing you'll hear is making a budget and outlining your goals. Both will help you here too.