<prompt> Human: Hi all. So I am getting married this summer and am seeking a little advice about how to best attack our student loans and home buying aspirations.Together we have A LOT of debt. 200k in student loans and about 15k in credit card debt. The student loans are about 100k a piece and are around 1k a month each. Most of the credit card debt is hers and she is trying to pay it down fast - it equals about 650 a month total.Together our take home monthly pay is about 5500 variable but never less than 5200Monthly Debt PaymentsStudent Loans - 2kCredit debt - 650Groceries - 500Utilities - 300rent - 850Gas- 100Leaves us about 800 in disposable income. The problem is something always comes up. Car issues luckily owns her car outright and bike to work Also, we travel from boston to SC twice a year and from boston to DC twice a year to visit family. Flying is expensive.I will absolutely admit that we were bad about going out and spending money for the first two years of dating but since we have settled down. Now we have all the wedding costs...My question is: Should I ABSOLUTELY take any and all money we make from the wedding and just wipe out our credit card debts? Our credit scores are right around 650... should we leave around 25 of the limit on each card? Or wipe them completely if possible?Or should we take some money and put into a emergency savings fund first? We also just got pre-approved for 250k home loan with the stipulation we would have 20k down given to us by her father. Is it wise to buy a house soon or wait until we have a savings on top of that down payment?Any and all advice would be greatly appreciated.  <response>: Something always comes up because you havent budgeted out the rest of your spending. I would go for a 1 month emergency fund, then wipe the cards assuming the interest is high, which is the most important part.Youre in no position to buy a house. The 20k will probably be waiting for you later. Definitely wait until you have more savings and a bunch of the debt knocked out. 