<prompt> Human: I currently have 280k in student loans. I have tried not to think about them for the last 5 years while I was building my business chiropractic. I have 25,000 in an emergency fund. Nothing in savings. I have 4,000 in a Roth IRA for retirement. My only other debt is I currently owe 16,000 on my Toyota Tacoma which is valued at 28,000. My income is 55,000 a year with potential to grow with a lot of hard work. Chiropractic is not easy. The loan almost seems impossible to pay off. Seems like my best bet is to do income based repayment and wait 22 more years for forgiveness. I also recently got divorced so I am living with my parents. My parents are retired but they will help me try to get a loan and help with down payment on a 350k condo. My question is what do I start throwing money at first? Retirement? Student loans? Or a condo? Rent here is 1700 for a one bed or 2400 for two bed which would put me at 1200 a month with a roomate. Isnt renting just throwing money away? Thanks for any guidancehelp.  <response>: So, the general guidelines for buying a house is spend no more than 3x-4x of your annual gross income. So if you were looking to buy, you would be looking at 220k max, and thats not taking into account your 300k in student loans. Honestly I dont even think anyone would approve a mortgage for you to buy this condo, and IMO if you need someone to co-sign a mortgage for you other than your spouse you arent ready to buy a house.Can your edit your main post with your loan amounts with interest rates and monthly payments? You will probably have to stick with the income based repayment plan but you will be hit with a humungous tax bill the year theyre all forgiven they treat it like income. So you want to pay down your loans as much as you can, especially the high interest ones. You also might want to post your budget if you want any ideas on how to reduce your expenses. And yes you will probably have to live with roommates. It sucks but hopefully your income will grow soon. Good thing is you already have a healthy emergency fund so you can direct any extra money at the loans.Renting isnt really throwing money away. Owning in the long run is cheaper but you dont have to worry about an unexpected expense like replacing a roof for 10k, etc because thats the landlords job. Youre trading more money monthly to not worry about stuff like that. 