Head Under Water (but a bit better than last time?)

Since I made so many changes lately, I've decided to do a quick net worth check.

Emergency Fund: $8,709.20
Checking: $109.00
ING Funds (total): $1,365.54
Roth IRA*: $3,100.00
401k: $311.52
____________
Total Positive: $13,595.26


Rent: $530.00
Credit card: $710.00
Student Loan I: $14,902.85
Student Loan II: $1,242.14
____________
Total Negative: $17,384.99


Net Worth: -$3,789.73

Have I left anything out?

*hasn't cleared yet