<prompt> Human: I at this point in time have around 19 thousand dollars in credit card debt with an interest rate of 26.34, and I have not always been able to make my payments on time. In addition, I have recently lost my job, but I think I am close to finding a new one as an EMT-Basic, and I needed to take on 1 thousand dollars in student loans to pay for the training for that. The mortgage that I was looking at has an interest rate of 7.65, and I was planning on making payments of 1 thousand dollars per month, but I am open to suggestions. I really want to continue to have a few credit cards, and my parents have warned me against using online mortgage brokers, and also wish that I never contact them again. Does this sound like a good idea?  <response>: 7.65 percent for a mortgage?! Thats outrageous. You should not even be THINKING about a mortgage until that credit card debt is paid off.26 in interest in outrageous on those cards. Pay the cards off, build your credit.Do you even have a downpayment? Are you prequalified?You have a long way to go bud. 