Personally I would pay off the credit cards first. Credit card debit is the worst and the interest rates are usually so high they can be crippling.
What I would do would depend upon the credit card interest as well as how much I could make on that money.
I have 0% interest for 1.5 years, I would not pay this off.
What is your interest rate?
You paid for the "elite" education and you are just about to learn something: you wasted your money.
Pay off the debt. You can't build a house of wealth on a foundation of credit card debt. Get your financial life in order, educate yourself instead of wasting money on gurus, and then start building wealth the right way.
I'm sorry, but you paid twelve THOUSAND dollars on an "education" about how to manage your finances? WOW.