Debt payoff overload

So I had a debt snowball plan. I’ve been pushing over $1000/mo towards paying down my consumer debt. I’ve also been pushing $1000/mo to my 401k and 529 plans. I’m a hybrid between being debt free and just starting with investment. I’m basically frozen in my tracks because I don’t know which is better and I’m not effectively doing either. To take another curve ball, my favorite podcast (ChooseFI) just did a course that said I should have an emergency fund BEFORE I pay down debt! Information overload and mind blown. I’ve made a new plan. Credit card payments have been adjusted to the minimum payments for 1 month. I’ll put all that $924 into an emergency fund (high interest online savings account, it currently has a $76 balance). I did a balance transfer with 0% interest for 12 months on $6000 of debt. Beginning next month, I’ll try the avalanche method (paying all the extra toward the high interest credit card debt) around $7800, moving to my student loans ($8000) possibly, and finishing with the $6000. My hesitation with student loan is they are subsidized and at 3.15% interest. It’s lower than some home mortgages AND it’s my longest standing item on my credit report. If I pay them off, I think my score will suffer. I’ve worked had to get it back above 700 since taking the new job and starting my path the FI. I don’t want to stop saving in my 401k or 529 because #1 employer match and #2 I want to help my son become a 2nd gen FI. We will see how this new plan goes in 2020!