<prompt> Human: For the last 5 months I have been making my 550 a month student loan payment on time. I have also paid off my truck. I have 6000 in credit card debt. Should I try to lower my student loan payments in order to pay off my credit card and save money for a down payment?  <response>: With 6k in credit card debt and student loan debt it doesnt seem like you can afford to save for a down payment right now. Take care of your debt before saving for a down payment unless you have a really compelling reason not to. 