Hi daines, to be honest, you are not in that bad a position.
As you say, you have taken loans for masters and as a loss on your previous house. Make sure you are getting all the tax relief for the cost of the masters. I'm not sure how this works, but I believe it is available for continuing education. With the home loss, if you gotta move, you gotta move.
You say that all loans will be paid off in two years assuming your current budget, that is great that you already have a schedule in mind and have already put the budget in place. You need to make sure you stick to it. For example, and tough as it is to say it, don't get pregnant in the next year and nine months!
Your emergency fund is a bit low at only 75 a month - holidays and Christmas are out, I guess!
Is your mortgage already interest only? If it is not, consider moving to it until you have the other loans paid off - this will give you a bit of slack to build up a reserve until you have more free cash. Otherwise, make sure that you have your loans paid off before you move back to repayment - you will be in a sticky situation otherwise.
With deflation looking likely over the next couple of years, you can hope your fixed costs will go down somewhat (petrol, ESB, food). On the other hand, insurance costs will probably rise. For all things you need to shop around mercilessly and take no prisoners.
Yes, it's a lot of debt. Yes, the next two years are going to be tough, but you seem to be on top of your responsibilities. Keep up the hard work!