<prompt> Human: Long Post ahead. TLDR: Im thinking of buying a home 130K to get out of student loan debt about 63K quicker and reduce my stress. Buying the apartment and getting a roommate, coupled with side jobs can potentially get me SL debt free in 3 years. Background on me - Im a single, 26F, young professional living in Washington, DC making about 51K. Willing to sacrifice for long-term peace of mind.After months of reading through reddit and blogs, and assessing my situation from every angle, Ive come up with a plan that I think is pretty solid. Its unconventional and probably breaks every PF rule out there in some form or another. Im giving as much information as possible financially and emotionally to stave away the generic advice. This requires putting my entire life on hold for 5 years, and diligently sticking to my budget if I dont get a substantial increase in income. Can redditers look it over and give me some pointers? Figures are rounded for ease of calculations. Thanks in advance if you take the time to read or comment on this! Monthly Budget: Present and Future:Below is my monthly budget estimates, after taxes, based on the 24 paychecks supplemental income. If I can put 1.5-2K a month towards my student loans, Id wipe them out in 3-4 years while saving 12K in interest. After that is paid off, a year of 1.5K a month towards my mortgage plus a year of 1.5K a month towards savingsretirement gets me to nearly 30 equity and 30K in savings in 5 years.Budget pic Income:When I graduated grad school, I took the first job that was offered to me because I was so desperate not to spend another year unemployed. That job paid 45Kbenefits and I hated it. After a year I found my current job non-profit which pays 51K, bi-weekly. No 403b matching until 2 years employed then at 10. -Im starting a new PT job in a few weeks, which may get me an extra 720 gross each month if I get all my requested hours. I also recently started mystery shoppingEasyShift-ing, in which I try to pull in at least 200 extra each month. Im doing everything I can to set myself up to find a higher paying job next year. Otherwise Im basing this on it not changing by that much in the next 5 years. Student Loan Debt:About 63K total, all federal loans, with an average interest rate of 5.6. The highest interest is at 6.8 and the lowest at 4.25. My standard repayment would be about 700. Im currently on income-based repayment at 170 and I pay 360 monthly, with the extra payment going mostly to principal on the highest interest loans but accruing nearly 300 in interest monthly. -Could I stay at my non-profit job and pay minimum to get the loan forgiven after 10 years? Sure...but Id hate myself because this is not a place where I can see myself long-term. Credit Card Debt:I basically only charge my monthly expenses. My outstanding balance is the result of previous monthly deficits and a vacation. I expect to be finished with that 082016, but it would still continue to accrue my monthly because the reward 1.5 is totally worth it. Outstanding credit card balance minus monthly expenses is 1000 at 0 APR until 112016 12K credit limit. Id been paying about 500-1000 each month for the past year. Home Debt:My current rent is 1165 with utilities. Im already under contract to buy a 550sqft, 2bd1ba, co-op apartment in a not-trendy-at-all neighborhood. Thankfully, my mom put up the 1500 EMD. So if I walk away, Im not technically losing anything. The purchase price is a bit over 130K with 8020 loans first time home buyer program. The 80 loan of 102K is at 4.5 for 30 years, and the 20 loan is interest deferred I can choose to pay 3 annually or defer it until the sale. Closing costs are negligible due to sellers credits about 1600 and Im planning to put 3 down of my own savings. Condo insurance is a bit less than 450yr and monthly co-op fees are 366 which includes property tax, water, sewer, trash, reserves, insurance, management and outside maintenance. Im estimating no more than 200 monthly for utilities gas, electric, internet, if that. -I anticipate being able to rent the second room out for 600-700. This is not the best neighborhood and the rooms are a bit small, but its within walking distance of a metro station. Im not treating this home as an investment, it is purely to reduce my housing costs. I will probably break even or sell at a loss. Could I wait and save up more down payment? Could I wait until my student loan debt decreases and my credit score improves? Sure...but the opportunity cost of waiting seems greater. Am I limiting opportunities by staying in DC? Maybe, but it was hard enough to get this job...I cant really imagine it will be any easier to get one in another location where I have no professional or social network. Savings:Currently I have a bit over 5K cash, 3500 in retirement trad. and Roth IRAs. Uncounted future money for savings is about 4K rental security deposit, 2 extra paychecks, and tax return within the next year. Currently saving 300 cash 150 IRA each month. I dont think its prudent to save 5-10 a month on a mortgage by wiping out my savings and putting more money down. Ill probably have 3K left as an emergency fund. Lifestyle:To be perfectly honest, Im not frugal - Im cheap. This is a high COL area, and theres no going back home to stay with parents because I come from a small town where almost everyone lives at or under the poverty line. My dream is to be able to adopt a toddler-aged or older child in about 5 years. I dont foresee a significant other in my future. -I dont go out much, and Ive already informed my friends that I will probably never get to go out with them in the future if it isnt free. I dont date. My food budget is set up for mostly 2-3 microwaveable meals and the occasional 10 take-out meal that I can eat for both lunch and dinner. Im trying to meal plan to get it down to around 100month. I may spend money on clothes every 3-4 months. I never go to the doctor. I metro to work and drive on weekends. -Could I find a cheaper rental in DC? Possibly, but not likely. To get an equivalently priced room as the one Im buying with roommate, Ill need to live in places where commuting costs will add another 200 plus an hour or two. Trust me these places are hard to come by in DC proper to actually have the math work out in my favor if you are a DCer, youll understand. If you have a 600 room in DC proper near a metro, please PM me!What am I not thinking about?EDIT: Thanks for all the comments. Thanks in particular to the commenters on the other post who told me to compare interest paid to interest saved. My 1-person household is about to become a 2-person household, so none of this will really apply.  <response>: Horrible idea. Almost all you wrote are financially bad ideas. I mean, your logic is convoluted and boggles the mind. You plan to get out of debt by incurring bigger debt...I mean I just dont know where to start with this. Get rid of the credit card debt first. You not being able to kill a what I assume a small cc debt shows your lack of financial discipline. I dont even get what you mean by ,...but it would still continue to accrue my monthly because the reward 1.5 is totally worth it. Im assuming you put it on a reward credit card, which means your 1.5 reward is a one time bonus you get when you made the initial purchase, no bonus accrue on the balance. And I see you have the 0 until 1116, doesnt matter, a couple of months wont make any difference, just kill this. Then work on your student loan. You are so far financially from owning a home, you shouldnt worry about it for now. Although some loan officer will tell you otherwise, these people should be shot. And on top of that, why wont you apply for other jobs at other places states if they might offer you better salary? Your ROI on your education is not too bad 51k per year on 65k debt is not bad, but it could definitely be better. Being frugal is good, but just saying that you are frugal and not being able to get a handle on your debt is kinda like saying youre smart but you get F on your report card. Being able to kill your debt and saving for a down payment shows you are actually frugal and financially healthy. I come from a small town where almost everyone lives at or under the poverty line you said this yourself, you dont have to listen to me but read more advice from this board. But please dont just follow your gut regarding financial matter, especially if your gut comes about from living in a financially illiterate community. 