<prompt> Human: As the title says, me and my fiance are getting married this fall. Collectively we bring in 105k a year. I will be getting a raise the end of next month of at least 3 so that will add about 1800 more to my salary. We currently budget quite well and are able to put away 800month exclusively from her paychecks I cover most of the bills with my paychecks and most of the approx. 150month that is left over from mine goes to our miscellaneous spending money. We currently have 10k in checking and approx 6k in basic bank savings account. Our wedding is budgeted for 13k total and we are putting 7k towards that. We currently pay the following:- 1300month in student loans - 700month in car payments - 1200month in rent - 400month in groceries - 116month in Cable - 130month in utilities gas, electric, water - 180month in insurance car and renters - 130month in cell phone bills mine and what she pays her mother As I said before we can put away 800month from her paycheck and right now my extra goes into spending money but that is going to increase when I get a raise the end of the next month. After we get married we are trying to decide what we should docan do afterwards, we both want to wait to have children until we have a house neither of us want to raise children in an apartment but our biggest concern is that our student loans are going to prevent us from being able to afford a house that would be suitable to raise a family in the area we live in. My biggest question is what can we do about our student loans, she has three totaling 21k that are at 10, 10.25, 13.25 interests rates. All of the other loans that we have are under 7 interest rate approx 3.1 to 6.75 totaling approx 50k to 65k not sure about the total of the loans that I pay to my parents, parent plus loans. Is it reasonable to wait two years and buy a house and not worry a lot about the student loans or should we put off buying a house to pay off as much of the loans as we can in two years then start saving for a house? I just am not sure what I should be focusing on once we get married. Sorry for any messing formatting as I am new to posting on reddit. Thank you guys in advance!  <response>: Get a six month emergency fund and then pour every penny you can into those student loans highest interest rates first. I wouldnt want to buy a house with this amount of debt. A house is expensive. It is more than the mortgage payment each month. What happens with you need a new roof or appliances go out? The good news is you guys have a plan and you have a big shovel, so you will be making a dent in those high interest rates loans rather quickly. 