I decided to save my year end bonus in my HSBC account (if I get one) and to keep 2 separate savings accounts going forward. My hope is to continue to stash away all of my bonuses over the next 5 years which should leave me with roughly $25k if all goes well.
My plan is to also forbear my federal student loans for one more year and divert any extra money towards paying off my credit card. If I get the anticipated salary increase, the credit card will be repaid before the promotional APR expires and before all of my federal loans enter repayment after the forbearance period.
In the meantime, I will continue to make my private student loan payments and save $300/month into my savings account. If I receive any kind of tax return, I will put that money into my operating checking account so that I can pay for things like birthday gifts and other irregular expenses throughout the year.