To get a good response you'll probably need to provide much more detailed information about your situation. When will you start full-time employment? What major expenses do you have or anticipate soon? Do you have a family? etc.....
Whatever your situation, it sounds like you have a ton of debt. You need to get on some type of monthly budget and an organized plan for managing your money and paying off your debt. The Dave Ramsey Baby Steps plan works for many people but the main thing is you HAVE A PLAN for your money instead of just "well I have some money here and some money over there." If not, the money you do have will continue to get "frittered" away.
Your situation doesn't sound complicated, but if it is to you, then just start simplifying. I would start by only having one or two accounts. Perhaps one savings and one checking account. Keeping things simple is one of the biggest ways that everyone can start moving to financial peace.
I agree. Start with defining your goals then develop a plan to get there.
When you are young it can be difficult to think of your long term goals. That is completely normal. If your goals are centered around completing college in a good position then they are probably just a few years out and they will be more about establishing a lifestyle that lets you get through school on what you have. If the goal is to buy a house - longer term and different plan. If you are concerned with retirement then that would be even longer term and would call for a completely dfferent plan.
Try to explain what your goals are and teh people here will give you lots of suggestions.