Well below the posted average here as well. I make somewhere around $11k/year from my graduate assistantship, and another ~$20k/year or so in student loans. I generally live paycheck to paycheck, although with the loan money being credited once per semester, I try to hang on to it for as long as possible. I have roughly $0 in any sort of retirement savings, but at least I'll be lucky enough to have health insurance starting in the Fall. During the week, I probably average 3 hours of sleep/night, and make up for it with 8-10 hours on the weekends. As for my credit score, it was in the high 600's/low 700's last time I checked, but living on credit cards for a few months every year isn't going to have helped it any.
Three cheers for the life of a career student.