<prompt> Human: We bought our house two years ago. We owe 150,000 on it and our realtor said we could sell it for 195-200k. Our mortgage is 1100 a month. We have an HOA of 31 a month. We have a swimming pool which is a pain in the butt and expensive. Our electricity bill over the summer is always about 400 because of it. I recently had a baby and am staying home so my husband is the only one bringing home a paycheck. His commute from our house is about 35 minutes. He makes about 2500 a month after taxes. We have a combined credit card debt of 6,000, I have 5,000 in student loans, and we have about 2,000 in hospital bills. If we were able to pay these bills off, we would save about 400 a month since my student loan has a crazy high interest rate. We would sell the house, pay off our debts with the profit, move into an apartment that would probably cost about 1200 a month, and live there until we could save for a house again when I go back to work. We would be saving on electricity costs also and commute would be significantly shorter. Do you think this would be worth it or is it smarter to stay in our house? I feel like we are in over our heads either way but I would feel better having our debts paid off so we arent paying interest for no reason. Advice??  <response>: Sounds totally reasonable and seems well thought out. Enjoy being debt free. 