Need some help with my finances

Throwaway for personal info.

So this is going to be pretty generic, but I am going to have a baby in November (Unmarried, 24yo male) and just need some guidance on how to handle things.

Credit score: 730

Savings: $17,300k in a regular savings account I can take out of when I want.

I make $623.14 a week. W-2 contactor, no benefits. (Looking for full-time job now.)

One credit card, paid off in full every month, no fees.

Car loan: $329.52 a month, 4.4% interest. I have about $13k left on that.

Department of Education loans:

$388.44 a month, altogether.

$7,057.11, 6.55%

$6,699.61, 6.55%

$7,496.42 6.55%

$1,551.11 3.15%

$6,400.72 6.55%

$3,580.78 3.61%

Firstmark Student Loans:

$7,349, not sure on interest rate, can't find it.

Car Insurance: $138.80 a month. (Will be turning 25, hopefully will get a discount.)

Phone: $25 a month

Rent: Free for now (living with releative) but when I have the baby, going to get an apartment, which would be about $900 a month.

Will be doing child support payments.

For starters, my dad has suggested to open an IRA with Vanguard. I know that is popular around here, so I'm definitely going to do that.

Car loan: Creditkarma says I can refinance with LightStream and save on that. Also has the option of entering my info in RateGenius.com, which I'm hesitant to do. How easy is it to refinance?

Or: should I just pay it off? That immediately sounds like a bad idea, to me, as it would only leave me about $5k in savings.

Savings account for baby: Any suggestions on where to start one?

Any other guidance? Suggestions? Cutting down on spending currently, but would like to know of some other options.

Any questions, please ask.