<prompt> Human: Hello All,Thanks in advance for your input. So my current situation is my girlfriend and I both recently graduated from college and live at her parents house rent free and have no bills trust me, its not as great as it seems. Im an auditor making 55k and shes a teacher making 46k. Our main goal is to have a 20 DP for a house 60k within the next two years but the sooner the better. While she has no loans, I graduated with a fairly decent amount. Sallie MaeNavient -1,985 9.876 Fixed -3,555 5.575 Variable -4,425 3.25 Variable Total 9,965 Govt Loans Mixture between 1-1.07 -Federal Perkins Loan 6,000 -Ford Fed Direct Sub Loan 13,466 -Ford Fed Direct Unsub Loan 7,816 Total 27,282 Our house fund currently has 9,500 which I have been putting around 2k in every month and my girlfriend will be contributing about the same from next month on. So the my question is whether I should cut my savings towards the house and pay off all the Sallie Mae loans ASAP, or pay a little over the minimum and focus more towards the house, or pay an equal amount to all the loans and the house fund? Any questions, comments, and advice are very appreciated. Thanks everyone!  <response>: At the very least pay off that 9.8 loan. Yeesh. Ideally you want to do both. Pay down as much of your debt as possible while saving up for a down payment. But I know how hard that can be. The thing is, your debt will affect the amount you can borrow, so you want it as low as possible.I would say pay off the Sallie MaeNavient loans since the interest rates are a little high. Then focus on the down payment. 