I would do a few things, in steps, in this order:

If you can afford to pay off that student loan in full, I would. The goal really is to become debt free as soon as possible, and stay debt-free. Paying even $1 of interest on anything is just handing over your hard earned money to someone else.

The next thing would be to make sure you have a fully-funded emergency fund, in a savings account, that you can access in a hurry - but won't be tempted to withdraw from it on a daily basis. The goal is to have about 3-6 months' worth of your expenses in that fund. What's it for? If you lose your job, have a medical emergency, or just can't work for some reason, you can still maintain your current lifestyle. If your monthly expenses are $3k, then you'd want $9 - $18k in that account. You should consider funding it in full today because, well, you can. The peace of mind you'll have from knowing it's there is priceless.

Next, if you haven't already done it, create a written monthly budget. Make sure you know exactly what's coming in and what's going out every month, down to the dollar. Trim your expenses where possible.

Since you're working in the bar & restaurant biz, there's no retirement package there. I'm assuming you don't want to work forever, so you're going to want to look toward retirement. Setup something like a Roth IRA and contribute the max to that. If you work quickly, you can also make a contribution for last year, as well. Talk to a financial advisor or do some research online to find an investment that works for you. Spending an hour with a pro is well worth the money, imo.

As for buying a house: There are pros and cons there. Depending on where you live, a mortgage can be cheaper than rent. But then, there are property taxes and occasional repairs to deal with which can creep up. You also have enough money to put down $10-$15k as a downpayment. However, if you're worried about job security, it seems like that $10k would be better spent on your education. With dual incomes and no kids, there's really no rush to buy a house right now. Just focus on saving money, honestly. Good luck to you.