<prompt> Human: Like the title says, I am stressing over this a LOT. Quick rundown of my situation: I graduate in May 2014 My pre-tax income will be ballpark 105,000year starting around July I will graduate with 210,000 in federal student loans averaging 7.2 interest I am married, my wifes income will be maybe 20-25,000year We want to buy a home soon after graduation this is the really stressful part seeing as I dont know how qualifying for financing will go because of our massive debt We will have 10-15,000 in the bank when I graduate. Our other debts will amount to around 12,000 when I graduate her student loans 2k, her car 8.5k, carecredit 1.4k 0 until 2015I have no idea what to expect to bring home each month but I have guessed 6-7k. With my student loans being at such a high interest rate I want to pay them off quickly, but I also want to start funding for the future. Do you fine people have any advicewords of encouragement?Assistant: You are expecting to have a very nice income, certainly enough to deal effectively with your debt. The stress seems to be something you are creating for yourself. Instead of pressuring your finances by immediately buying a home with a large mortgage, could you rent for a year or two until your finances are more under control. Having incurred some significant debt, living simply in a modest rented place seems like a good alternative before you incur more debt.Human: Thank you. The home buying is a pressure we have put on ourselves because we have talked about it for so long that it feels necessary. I imagine that we will be much happier by renting for a few years instead of trying to stretch to afford a home.  <response>: Agreed. Just rent till home buying doesnt scare you and your other debts are under control. 